434 Saddlebrook Dr, Linden, MI 48451 Property Records

Genesee County property record for 434 Saddlebrook Dr, Linden, MI 48451

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,694 sqft · built 2020
Lot Size	0.262 acres (11,413 sqft)
Owner	2 Individual Names on File
Last Sale	$358,000 (Jul 2026)
Tax Bill	$6,808 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`61-21-651-033`

Property Details

APN / Parcel Number

Primary APN	`61-21-651-033`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,694 sqft Living Area
1st Floor Area	957 sqft
Basement Area	737 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	11,413 sqft (0.262 acres)
Lot Dimensions	136 ft deep x 84 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	434 SADDLEBROOK DR
City	LINDEN
State	MI
Zip	48451-9145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	UNIT 33 SADDLEBROOK FARMS (03) FR 6121300023
Legal Subdivision	SADDLEBROOK FARMS SITE CONDOMINIUM
Legal Unit	33
Jurisdiction	GENESEE MI
Township / Civil Division	LINDEN
Census Block Group	2
Census Block	2018
Census Tract	13113

Owner

434 Saddlebrook Dr is owned and occupied by two individuals who bought it in July 2026.

Source: Genesee County records, as of October 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5950 CARSCADDEN WAY, HIGHLAND, MI 48357-2362
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage INSPIRE HOME LOANS INC
Apr 16, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2026 · Amount on File
Deed Sale	Jul 7, 2026 · Amount on File
Prior Sale	Apr 16, 2021 · Amount on File
Deed Document Number	202640838
Prior Transfer Date	May 19, 2010
Prior Transfer Doc	0000049804
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jul 7, 2026
Property Address	434 SADDLEBROOK DR, LINDEN, MI 48451-9145
Document Number	0000040838
Instrument Date	Jun 25, 2026
Instrument	202640838
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310,958.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5950 CARSCADDEN WAY, HIGHLAND, MI 48357-2362

Mortgage

Document Number	0000040735,
Date	Jul 7, 2026
Instrument	2026740735

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	434 SADDLEBROOK DR, LINDEN, MI 48451-9145
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034734
Date	Apr 5, 2021
Instrument	202104050034734

Lender

Name	INSPIRE HOME LOANS INC
Type	Mortgage Company
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Apr 16, 2021
Property Address	434 SADDLEBROOK DR, LINDEN, MI 48451-9145
Document Number	0000038988
Map Reference	DOC 20020110002511
Instrument Date	Mar 17, 2021
Instrument	202104160038988
Transaction Type	Transfer
Record Updated	Oct 21, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$1,969.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3091 GOVERNORS LAKE #300300, 3091, LINDEN, MI 48451

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 W MARR RD, HOWELL, MI 48855-9372

Tax Assessment & Valuation

The 2025 property tax bill for 434 Saddlebrook Dr was $6,808 with a homeowner's exemption, up 1.9% from the year before.

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
Municipality	Linden City
Unified School District	Linden Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$157,500 (+4.72%) Land $27,500 Building $130,000	$315,000 (+4.72%) Land $55,000 Building $260,000
2025	$6,808.00 (+1.92%) Homeowner's exemption	$150,400	$300,800
2024	$6,680.00
2023		$125,100	$250,200
2021	$2,551.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 434 Saddlebrook Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective February 19, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Mar 1982 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 434 Saddlebrook Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LINDEN serves 4,150 people · EPA ID MI0003890
Water Source	Purchased surface water from GENESEE COUNTY WATER SYSTEM
Last State Inspection	Jul 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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