Saginaw County property record for 4520 Lone Rd, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,598 sqft · built 2000 |
| Lot Size | 1.11 acres (48,352 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (May 2015) |
| Tax Bill | $3,928 (2025) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-12-3-04-1011-001 |
| Primary APN | 28-12-3-04-1011-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,598 sqft Living Area |
| 1st Floor Area | 1,582 sqft |
| Basement Area | 1,582 sqft |
| Unfinished Basement | 1,582 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 48,352 sqft (1.11 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 64 sqft |
| Deck Area | Deck Area |
| Patio Area | 208 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4520 LONE RD |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-9207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | COM AT N 1/4 CORN OF SEC 4 TH S 2503.96 FT TO POB TH E 323.42 FT TH S 150 FT TH W 323.42 FT TH N 150 FT TO POB 1.11 ACRES SEC |
| Legal Range | 03E |
| Legal Township | 12N |
| Legal Section | 04 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | THOMAS |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 12002 |
4520 Lone Rd is owned and occupied by two individuals who bought it in May 2015.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4520 LONE RD, FREELAND, MI 48623-9207 |
| 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 |
|---|---|
| Last Sale | May 19, 2015 · Amount on File |
| Deed Sale | May 19, 2015 · Amount on File |
| Prior Sale | Dec 22, 2000 · Amount on File |
| Deed Document Number | 201515715 |
| Deed Book / Page | 2814 / 2128 |
| Prior Transfer Date | Mar 23, 2015 |
| Prior Transfer Doc | 0000015714 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 4520 LONE RD, FREELAND, MI 48623-9207 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000013995 |
|---|---|
| Date | May 28, 2020 |
| Instrument | 2020013995 |
| Name | 1ST STATE BANK |
|---|---|
| Type | Bank |
| Address | SAGINAW, MI 48605 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2035 |
The 2025 property tax bill for 4520 Lone Rd was $3,928 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Thomas Township |
| Unified School District | Freeland Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $141,200 | $282,400 | |
| 2025 | $3,928.00 Homeowner's exemption | ||
| 2023 | $112,900 | $225,800 | |
| 2022 | $3,268.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 4520 Lone Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.
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 | 3 in force |
| Nearby Flood Claims | 9 (1978–2022) |
| Most Recent Claim | Aug 2022 · other causes |
| Claims by Event |
|
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 4520 Lone Rd 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 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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