Saginaw County property record for 4560 Lone Rd, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 4,383 sqft · built 2017 |
| Lot Size | 15.9 acres (695,218 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $12,191 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jan 2017 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-12-3-04-1011-004 |
| Primary APN | 28-12-3-04-1011-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,383 sqft Living Area |
| 1st Floor Area | 2,922 sqft |
| Basement Area | 2,922 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Lot Area | 695,218 sqft (15.9 acres) |
| Garage Area | 3,379 sqft |
| Parking Spaces | 11 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4560 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 TH S 2353.96 FT TO POB TH E 323.42 FT TH N 206.42 FT TH E 986.73 FT TH S 654.98 FT TH W 985.67 FT TH |
| 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 |
4560 Lone Rd is owner-occupied and held in a trust.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 4560 LONE RD, FREELAND, MI 48623-9207 |
| 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.
| Date | Document |
|---|---|
| Jun 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK |
| Jan 31, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage CHEMICAL BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 4560 LONE RD, FREELAND, MI 48623-9207 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Title Company | EXPRESS TITLE, EXPRESS TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 4560 LONE RD, FREELAND, MI 48623-9207 |
| Document Number | 2021020586 |
|---|---|
| Date | Jun 7, 2021 |
| Instrument | 2021020586 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2036 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jan 31, 2017 |
| Property Address | 4560 LONE RD, FREELAND, MI 48623-9207 |
| Book / Page | 002887 / 002482 |
| Instrument Date | Jan 26, 2017 |
| Instrument | 2450 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 14, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | PO BOX 6657 SAGINAW MI 486086657, SAGINAW, MI 48608-6657 |
| Document Number | 0000002450 |
|---|---|
| Date | Jan 31, 2017 |
| Book Page | 002887/002482 |
| Instrument | 2450 |
| Name | CHEMICAL BK |
|---|---|
| Type | Bank |
| Address | WYOMING, MI 49519 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 30, 2032 |
The 2025 property tax bill for 4560 Lone Rd was $12,191 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 | $531,900 | $1,063,800 | |
| 2025 | $12,191.00 Homeowner's exemption | ||
| 2023 | $435,900 | $871,800 | |
| 2022 | $10,155.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4560 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 4560 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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