4547 Howley Ct, Saginaw, MI 48638 Property Records

Saginaw County property record for 4547 Howley Ct, Saginaw, MI 48638

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,960 sqft · built 1973
Lot Size	0.311 acres (13,547 sqft)
Owner	Individual Name on Record
Last Sale	$149,900 (Dec 2016)
Tax Bill	$3,080 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-21-2435-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-21-2435-000`
Alternative APN	`124212435000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,960 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	560 sqft
Unfinished Basement	560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,547 sqft (0.311 acres)
Lot Dimensions	122 ft deep x 111 ft wide
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	324 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4547 HOWLEY CT
City	SAGINAW
State	MI
Zip	48638-4679
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 15 WOODLAND PLAT A PART OF NW 1/4 SEC 21 T12N R4E
Legal Range	04E
Legal Township	12N
Legal Section	21
Legal Subdivision	WOODLAND PLAT
Legal Lot Number	15
Legal Unit	15
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	4
Census Block	4019
Census Tract	10402

Owner

Source: Saginaw County records, as of August 21, 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	Individual Name on Record
Mailing Address	4547 HOWLEY CT, SAGINAW, MI 48638-4679
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Deed of Trust, Mortgage · Commercial Mortgage SPRING EQ LLC
Aug 10, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 4, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 25, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2016 · Amount on Record
Deed Sale	Dec 1, 2016 · Amount on Record
Prior Sale	Feb 28, 2011 · Amount on Record
Deed Document Number	201630598
Deed Book / Page	2881 / 611
Prior Transfer Date	Mar 22, 2016
Prior Transfer Doc	0000007002
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4547 HOWLEY CT, SAGINAW, MI 48638-4679
Transaction Type	Mortgage
Record Updated	Mar 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4547 HOWLEY CT, SAGINAW, MI 48638-4679

Mortgage

Document Number	0000005177
Date	Mar 2, 2022
Instrument	2022005177

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	236 Months
Due	Nov 1, 2041

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4547 HOWLEY CT, SAGINAW, MI 48638-4679
Transaction Type	Mortgage
Record Updated	Aug 25, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4547 HOWLEY CT, SAGINAW, MI 48638-4679

Mortgage

Document Number	2021026387
Date	Aug 10, 2021
Instrument	2021026387

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4547 HOWLEY CT, SAGINAW, MI 48638-4679
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022486
Date	Aug 4, 2017
Instrument	2017022486

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Jan 1, 2046

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4547 HOWLEY CT, SAGINAW, MI 48638-4679
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016172
Date	Jun 25, 2020
Instrument	2020016172

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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		$113,400 (+21.02%)	$226,800 (+21.02%)
2025	$3,080.00 (+19.38%) Homeowner's exemption
2023		$93,700	$187,400
2022	$2,580.00

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

Flood

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

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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