Saginaw County property record for 440 10th St, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,384 sqft · built 1968 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,561 (2025) |
| Deeds & Mortgages | Mar 2023 Transfer Jul 2020 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-3-21-1367-000 |
| Primary APN | 29-13-3-21-1367-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,384 sqft Living Area |
| 1st Floor Area | 1,384 sqft |
| Basement Area | 834 sqft |
| Unfinished Basement | 834 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 120 ft deep x 88 ft wide |
| Garage Area | 598 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | Deck Area |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 440 10TH ST |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-9082 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 67 GUSTAV O ROESER SUB.NO.2 SEC 21 T13N R3E |
| Legal Range | 03E |
| Legal Township | 13N |
| Legal Section | 21 |
| Legal Subdivision | GUSTAV O ROESER 2 |
| Legal Lot Number | 67 |
| Legal Unit | 67 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TITTABAWASSEE |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 10101 |
Source: Saginaw County records, as of August 21, 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 | 440 10TH ST, FREELAND, MI 48623-9082 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2023 | Intrafamily Transfer, Transfer |
| Jul 28, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED FINANCIAL CU |
| Jul 1, 2020 | Loan Modification, Mortgage · Conventional Mortgage UNITED FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 30, 2023 |
| Transfer Doc | 0000005976 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Mar 30, 2023 |
| Property Address | 440 10TH ST, FREELAND, MI 48623-9082 |
| Document Number | 0000005976 |
| Instrument Date | Mar 30, 2023 |
| Instrument | 2023005976 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 440 10TH ST, FREELAND, MI 48623-9082 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 440 10TH ST, FREELAND, MI 48623-9082 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 440 10TH ST, FREELAND, MI 48623-9082 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018673 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 2020018673 |
| Name | UNITED FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48603 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2035 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 440 10TH ST, FREELAND, MI 48623-9082 |
| Document Number | 0000020639 |
| Instrument Date | Jul 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 440 10TH ST FREELAND MI 486239082, FREELAND, MI 48623-9082 |
| Document Number | 0000020639 |
|---|---|
| Date | Aug 20, 2020 |
| Instrument | 20639 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | 4685 STATE ST, SAGINAW, MI 48603-3806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 19, 2040 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Tittabawassee Township |
| Unified School District | Freeland Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $109,200 (+5%) | $218,400 (+5%) | |
| 2025 | $2,561.00 (+24.44%) Homeowner's exemption | ||
| 2023 | $72,800 | $145,600 | |
| 2022 | $2,058.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TITTABAWASSEE TOWNSHIP serves 9,227 people · EPA ID MI0002470 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2018 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| LakeNet Fiber | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures