4455 Gary Rd, Chesaning, MI 48616 Property Records

Saginaw County property record for 4455 Gary Rd, Chesaning, MI 48616

Property Summary

Property Type	General Agricultural/Rural
Details	2.5 ba · 2,037 sqft · built 1994
Lot Size	50 acres (2,178,000 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Mar 1990)
Tax Bill	$7,545 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Feb 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20-09-4-04-2001-000`

Property Details

APN / Parcel Number

Primary APN	`20-09-4-04-2001-000`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,037 sqft Living Area
1st Floor Area	1,358 sqft
Basement Area	1,358 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	2,178,000 sqft (50 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	198 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4455 GARY RD
City	CHESANING
State	MI
Zip	48616-8440
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	N 50 ACRES OF NW FRL 1/4 50 ACRES SEC 04 T09N R4E
Legal Range	04E
Legal Township	09N
Legal Section	04
Jurisdiction	SAGINAW MI
Township / Civil Division	MAPLE GROVE
Census Block Group	3
Census Block	3023
Census Tract	12900

Owner

4455 Gary Rd, an agricultural property, is owned by two individuals who acquired it in February 2023.

Source: Saginaw County records, as of October 6, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	4455 GARY RD, CHESANING, MI 48616-8440
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Deed of Trust, Mortgage · Line of Credit UNITED FINANCIAL CREDIT UNION
Feb 22, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 1990 · Amount on File
Deed Sale	Mar 16, 1990 · Amount on File
Deed Book / Page	2064 / 1105
Last Transfer Date	Feb 17, 2023
Transfer Doc	0000003281
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	Sep 24, 2026
Property Address	4455 GARY RD, CHESANING, MI 48616-8440
Document Number	0000024255
Instrument Date	Sep 16, 2026
Instrument	202624255
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4455 GARY RD, CHESANING, MI 48616-8440

Mortgage

Document Number	0000024255,
Date	Sep 24, 2026
Instrument	202624255

Lender

Name	UNITED FINANCIAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 25, 2046

Interest

Max Rate	-1%

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Feb 22, 2023
Property Address	4455 GARY RD, CHESANING, MI 48616-8440
Document Number	0000003281
Instrument Date	Feb 17, 2023
Instrument	2023003281
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4455 GARY RD, CHESANING, MI 48616-8440

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	4455 GARY RD, CHESANING, MI 48616-8440

Tax Assessment & Valuation

The 2025 property tax bill for 4455 Gary Rd was $7,545.

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Maple Grove Township
Unified School District	New Lothrop Area Public School (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$289,200	$578,400
2025	$7,545.00 Homeowner's exemption
2023		$292,300	$584,600
2022	$6,347.00

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

Flood

FEMA maps place 4455 Gary Rd 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	2 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

Wildfire risk around 4455 Gary Rd is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: Brightspeed, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gary Rd

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