45 E Gloucester Dr, Saginaw, MI 48609 Property Records

Saginaw County property record for 45 E Gloucester Dr, Saginaw, MI 48609

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,300 sqft · built 1930
Lot Size	0.441 acres (19,210 sqft)
Owner	Individual Name on File
Last Sale	$108,000 (Dec 2021)
Tax Bill	$747 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-12-3-27-4134-000`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-27-4134-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Finished Basement	1,040 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,210 sqft (0.441 acres)
Lot Dimensions	160 ft deep x 120 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	182 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	45 E GLOUCESTER DR
City	SAGINAW
State	MI
Zip	48609-9457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B-1
Legal Description	LOT 34 & N 10 FT OF LOT 33 GRATIOT ROAD SUBDIVISION SUBJECT TO A 60 FT EASEMENT FOR MSHD R/W (M-46) SEC 27 T12N R3E *DESC CHANGED 7/18/96 DESC CHANGED DUE TO SPLIT 4134-001 1/20/98 **ADDED EASEMENT INFO 7/14/99 PER ERIC
Legal Range	03E
Legal Township	12N
Legal Section	27
Legal Subdivision	ROAD SUBDIVISION
Legal Lot Number	33-34
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	3
Census Block	3028
Census Tract	12003

Owner

Source: Saginaw County records · APN 28-12-3-27-4134-000

Assessment roll updated September 9, 2025 · Last verified July 2026

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

Owner of Record	Individual Name on File
Mailing Address	45 E GLOUCESTER DR, SAGINAW, MI 48609-9457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 14, 2021 · Amount on Record
Deed Sale	Dec 14, 2021 · Amount on Record
Prior Sale	May 24, 2007 · Amount on Record
Deed Document Number	202139153
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Dec 14, 2021
Property Address	45 E GLOUCESTER DR, SAGINAW, MI 48609-9457
Document Number	0000039153
Map Reference	LB 7 PG 48
Instrument Date	Dec 09, 2021
Instrument	2021039153
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	MOELAND TITLE SERVICES LLC, HOMELAND TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$810.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3488 S GLEANER RD, 3488, SAGINAW, MI 48609-9149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 E GLOUCESTER DR, SAGINAW, MI 48609-9457
Investor	Possibly a Property Investor

Mortgage

Document Number	0000039154
Date	Dec 14, 2021
Instrument	2021039154

Lender

Name	TEAM ONE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Thomas Township
Unified School District	Swan Valley School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$86,100 (+24.96%)	$172,200 (+24.96%)
2025	$747.00 (-71.48%) Homeowner's exemption
2023		$68,900 (+7.99%)	$137,800 (+7.99%)
2022	$2,619.00 (-18.23%) Homeowner's exemption	$63,800	$127,600
2021	$3,203.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 (1986)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1986 · Severe Storms & Flooding

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 171 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	THOMAS TOWNSHIP serves 11,931 people
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2023
Lead	2 ppb (2024) 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.