Saginaw County property record for 458 W Maple St, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,140 sqft · built 1929 |
| Lot Size | 0.918 acres (39,988 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (Jun 2019) |
| Tax Bill | $2,694 (2025) |
| Deeds & Mortgages | Jul 2023 Second Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-05-0352-000 |
| Primary APN | 24-10-3-05-0352-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,140 sqft Living Area |
| 1st Floor Area | 1,140 sqft |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 39,988 sqft (0.918 acres) |
| Lot Dimensions | 200 ft deep x 200 ft wide |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 440 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 458 W MAPLE ST |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-1228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W LY 200 FT OF E LY 300 FT OF THE S LY 200 FT OF BLK 96 VILLAGE OF ST CHARLES SEC 5 T10N R3E |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 05 |
| Legal Subdivision | VILLAGE ST CHARLES |
| Legal Block | 96 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 12600 |
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 458 W MAPLE ST, SAINT CHARLES, MI 48655-1228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage WILDFIRE CU |
| Jun 21, 2019 | Warranty Deed, Transfer · Conventional with PMI WILDFIRE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 21, 2019 · Amount on Record |
| Deed Sale | Jun 21, 2019 · Amount on Record |
| Deed Document Number | 2019202019016605 |
| Prior Transfer Date | Jun 13, 2019 |
| Prior Transfer Doc | 2020190166 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 458 W MAPLE ST, SAINT CHARLES, MI 48655-1228 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 458 W MAPLE ST, SAINT CHARLES, MI 48655-1228 |
| Document Number | 0000016228 |
|---|---|
| Date | Jul 14, 2023 |
| Instrument | 2023016228 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48605 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Aug 1, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jun 21, 2019 |
| Property Address | 458 W MAPLE ST, SAINT CHARLES, MI 48655-1228 |
| Document Number | 0000016605 |
| Instrument Date | Jun 13, 2019 |
| Instrument | 16605 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2019 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $100.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 510 W HOSMER ST ST CHARLES MI 486551734, ST CHARLES, MI 48655-1734 |
| Document Number | 16606 |
|---|---|
| Date | Jun 21, 2019 |
| Instrument | 16606 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48605-3285 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 20, 2049 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | St. Charles Township |
| Municipality | St. Charles Village |
| Unified School District | St. Charles Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $67,900 (+23.45%) | $135,800 (+23.45%) | |
| 2025 | $2,694.00 (+91.61%) Homeowner's exemption | ||
| 2023 | $55,000 | $110,000 | |
| 2022 | $1,406.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 7 (1986–2026) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Apr 2026 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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 | VILLAGE OF ST. CHARLES serves 2,054 people · EPA ID MI0006260 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2024 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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 86 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 |
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