4540 Howley Ct, Saginaw, MI 48638 Property Records

Saginaw County property record for 4540 Howley Ct, Saginaw, MI 48638

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,527 sqft · built 1927
Lot Size	0.573 acres (24,960 sqft)
Owner	Trust Name on File
Tax Bill	$3,992 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-21-2421-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-21-2421-000`
Alternative APN	`124212421000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,527 sqft Living Area
1st Floor Area	2,503 sqft
Basement Area	939 sqft
Unfinished Basement	939 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,960 sqft (0.573 acres)
Lot Dimensions	172 ft deep x 145 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	532 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4540 HOWLEY CT
City	SAGINAW
State	MI
Zip	48638-4642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 1 WOODLAND PLAT SEC 21 T12N R4E
Legal Range	04E
Legal Township	12N
Legal Section	21
Legal Subdivision	WOODLAND
Legal Lot Number	1
Legal Unit	1
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	4
Census Block	4018
Census Tract	10402

Owner

4540 Howley Ct is owner-occupied and held in a trust since April 2004.

Source: Saginaw County records, as of August 21, 2026

Owner of Record	Trust Name on File
Mailing Address	4540 HOWLEY CT, SAGINAW, MI 48638-4642
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Mar 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage LAKE MI CU
Oct 19, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 30, 2004
Transfer Doc	0000026768
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4540 HOWLEY CT, SAGINAW, MI 48638-4642
Transaction Type	Mortgage
Record Updated	Sep 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45430 HOWLEY COURT, SAGINAW, MI 48638

Mortgage

Document Number	2021029480
Date	Sep 9, 2021
Instrument	2021029480

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4540 HOWLEY CT, SAGINAW, MI 48638-4642
Document Number	0000005305
Instrument Date	Mar 1, 2019
Transaction Type	Mortgage
Record Updated	Apr 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4540 HOWLEY CT SAGINAW MI 486384642, SAGINAW, MI 48638-4642

Mortgage

Document Number	0000005305
Date	Mar 18, 2019
Instrument	5305

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 17, 2034

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 19, 2018
Property Address	4540 HOWLEY CT, SAGINAW, MI 48638-4642
Document Number	0000026768
Instrument Date	Apr 30, 2018
Instrument	26768
Transaction Type	Transfer
Record Updated	Nov 1, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	540 HOWLEY CT SAGINAW MI, SAGINAW, MI

Tax Assessment & Valuation

The 2025 property tax bill for 4540 Howley Ct was $3,992 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Saginaw Charter Township
Unified School District	Saginaw Township Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$142,000	$284,000
2025	$3,992.00 Homeowner's exemption
2023		$114,500	$229,000
2022	$3,347.00

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

Flood

FEMA maps place 4540 Howley Ct 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
Community Rating System	Class 7 (15% premium discount)
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

The area around 4540 Howley Ct has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SAGINAW serves 44,058 people · EPA ID MI0005850
Water Source	Purchased surface water from SAGINAW-MIDLAND WATER SUPPLY
Last State Inspection	Feb 2024
Lead	9 ppb (2025) 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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 411 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T DSL	100 / 20

May also be available: T-Mobile.

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