Saginaw County property record for 440 7th St, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,248 sqft |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $113,500 (Jul 2001) |
| Tax Bill | $2,561 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Mar 2020 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-3-21-1050-000 |
| Primary APN | 29-13-3-21-1050-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 1,248 sqft |
| Unfinished Basement | 1,248 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Wood Siding |
|---|---|
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,553 sqft (0.38 acres) |
| Lot Dimensions | 164 ft deep x 100 ft wide |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 156 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 440 7TH ST |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-8627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | S LY 100 FT OF N LY 260 FT OF E LY 164 FT OF THAT PT OF NE 1/4 LYING W OF W LINE OF 7TH ST. & S OF N LINE OF MEYERS ST |
| Legal Range | 03E |
| Legal Township | 13N |
| Legal Section | 21 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TITTABAWASSEE |
| Census Block Group | 1 |
| Census Block | 1078 |
| Census Tract | 10101 |
440 7th St is owned and occupied by two individuals who bought it in July 2001.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 440 7TH ST, FREELAND, MI 48623-8627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Mar 11, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED FINANCIAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2001 · Amount on File |
| Deed Sale | Jul 25, 2001 · Amount on File |
| Prior Sale | Jul 24, 2001 · Amount on File |
| Deed Book / Page | 2204 / 1922 |
| Prior Transfer Date | Jun 19, 2001 |
| Prior Transfer Doc | 0007040357 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 440 7TH ST, FREELAND, MI 48623-8627 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 440 7TH ST, FREELAND, MI 48623-8627 |
| Document Number | 2021036134 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 2021036134 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 440 7TH ST, FREELAND, MI 48623-8627 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000005708 |
|---|---|
| Date | Mar 11, 2020 |
| Instrument | 2020005708 |
| Name | UNITED FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48603 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2035 |
The 2025 property tax bill for 440 7th St was $2,561 with a homeowner's exemption.
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 | $106,300 | $212,600 | |
| 2025 | $2,561.00 Homeowner's exemption | ||
| 2023 | $70,500 | $141,000 | |
| 2022 | $2,058.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 7th St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 440 7th St 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 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 |
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