Saginaw County property record for 45 Willow Pond Dr E, Saginaw, MI 48603
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 3.5 ba · 1,149 sqft · built 1995 |
| Lot Size | 0.038 acres (1,687 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,604 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-12-4-09-1245-000 |
| Primary APN | 23-12-4-09-1245-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,149 sqft Living Area |
| 1st Floor Area | 1,128 sqft |
| Basement Area | 1,128 sqft |
| Finished Basement | 1,128 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,687 sqft |
| Garage Area | 415 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 36 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 | 45 WILLOW POND DR E |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48603-9640 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R-2 |
| Legal Description | UNIT 45 BLDG P THE PONDS OF MALLARD COVE CONDOMINIUM SEC 09 T12N R4E |
| Legal Range | 04E |
| Legal Township | 12N |
| Legal Section | 09 |
| Legal Subdivision | THE PONDS OF MALLARD COVE COND |
| Legal Unit | 45 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | SAGINAW |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10303 |
45 Willow Pond Dr E, a condominium, is owned and occupied by two individuals.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 WILLOW POND DR E, SAGINAW, MI 48603-9640 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 45 Willow Pond Dr E was $3,604 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Saginaw Charter Township |
| Unified School District | Saginaw Township Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $116,400 | $232,800 | |
| 2025 | $3,604.00 Homeowner's exemption | ||
| 2023 | $98,300 | $196,600 | |
| 2022 | $2,951.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Willow Pond Dr E in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 29, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 45 Willow Pond Dr E 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 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | SAGINAW CHARTER TOWNSHIP serves 40,840 people · EPA ID MI0005860 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Oct 2024 |
| Lead | 2 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 174 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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