435 John St, Saginaw, MI 48602 Property Records

Saginaw County property record for 435 John St, Saginaw, MI 48602

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,368 sqft · built 1951
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$81,000 (Dec 2006)
Tax Bill	$1,591 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`92-00-2-90-3000-000`

Property Details

APN / Parcel Number

Primary APN	`92-00-2-90-3000-000`
Alternative APN	`20 2903 00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,368 sqft Living Area
1st Floor Area	1,368 sqft
Basement Area	1,368 sqft
Unfinished Basement	1,368 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	172 ft deep x 70 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	80 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	435 JOHN ST
City	SAGINAW
State	MI
Zip	48602-3245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 99,WESTGATE
Legal Subdivision	WESTGATE
Legal Lot Number	99
Legal Unit	99
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	4
Census Block	4020
Census Tract	2100

Owner

Source: Saginaw County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	435 JOHN ST, SAGINAW, MI 48602-3245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2006 · Amount on Record
Deed Sale	Dec 21, 2006 · Amount on Record
Prior Sale	Aug 9, 2006
Deed Book / Page	2420 / 855
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	435 JOHN ST, SAGINAW, MI 48602-3245
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011790
Date	Apr 23, 2020
Instrument	2020011790

Lender

Name	SAGINAW COUNTY EMPLOYEES CU
Type	Credit Union
Address	SAGINAW, MI 48602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
Municipality	Saginaw City
Unified School District	Saginaw City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$71,700 (+53.21%)	$143,400 (+53.21%)
2025	$1,591.00 (-15.78%) Homeowner's exemption
2023		$46,800	$93,600
2022	$1,889.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 29, 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 Claims	1 (1983)
Most Recent Claim	Mar 1983 · 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

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

Wildfire Risk	Not rated no burnable land within ember reach

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 SAGINAW serves 44,058 people · EPA ID MI0005850
Water Source	Purchased surface water from SAGINAW-MIDLAND WATER SUPPLY
Last State Inspection	Feb 2024
Lead	9 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 531 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20