4643 Wake St, Saginaw, MI 48638 Property Records

Saginaw County property record for 4643 Wake St, Saginaw, MI 48638

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,142 sqft · built 1953
Lot Size	0.241 acres (10,498 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Oct 2020)
Tax Bill	$5,462 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Oct 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-21-2401-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-21-2401-000`
Alternative APN	`124212401000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,142 sqft Living Area
1st Floor Area	1,224 sqft
Basement Area	1,224 sqft
Finished Basement	1,224 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,498 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	25 sqft
Deck Area	Deck Area
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4643 WAKE ST
City	SAGINAW
State	MI
Zip	48638-4505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 101 WESTWOOD PARK SEC 21 T12N R4E
Legal Range	04E
Legal Township	12N
Legal Section	21
Legal Subdivision	WESTWOOD PARK SUB
Legal Lot Number	101
Legal Unit	101
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	4
Census Block	4011
Census Tract	10402

Owner

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	4643 WAKE ST, SAGINAW, MI 48638-4505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2023	Deed of Trust, Mortgage · Conventional Mortgage FRANKENMUTH CU
Oct 12, 2020	Warranty Deed, Transfer TITLE RESOURCE AGENCY, TITLE RESOURCE AGCY
Feb 7, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2020 · Amount on Record
Deed Sale	Oct 12, 2020 · Amount on Record
Prior Sale	Feb 7, 2018 · Amount on Record
Deed Document Number	202025689
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4643 WAKE ST, SAGINAW, MI 48638-4505
Transaction Type	Mortgage
Record Updated	Apr 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4643 WAKE ST, SAGINAW, MI 48638-4505

Mortgage

Document Number	0000005790
Date	Mar 29, 2023
Instrument	2023005790

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 12, 2020
Property Address	4643 WAKE ST, SAGINAW, MI 48638-4505
Document Number	0000025689
Instrument Date	Oct 1, 2020
Instrument	25689
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	TITLE RESOURCE AGENCY, TITLE RESOURCE AGCY

Transaction

Amount	Amount Recorded
Tax	$135.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 E GENESEE ST #D18 FRANKENMUTH MI 487341232, D18, FRANKENMUTH, MI 48734-1232

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Feb 7, 2018
Property Address	4643 WAKE ST, SAGINAW, MI 48638-4505
Document Number	0000002852
Instrument Date	Feb 5, 2018
Instrument	2852
Transaction Type	Transfer
Record Updated	Feb 14, 2018
Title Company	SAGINAW BAY AREA TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5400 SHATTUCK RD SAGINAW MI 486032855, SAGINAW, MI 48603-2855

Mortgage

Document Number	2853
Date	Feb 7, 2018
Instrument	2853

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2048

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		$107,900 (+24.6%)	$215,800 (+24.6%)
2025	$5,462.00 (+40.02%)
2023		$86,600	$173,200
2022	$3,901.00

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	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

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

Water System	SAGINAW CHARTER TOWNSHIP serves 40,840 people · EPA ID MI0005860
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Oct 2024
Lead	2 ppb (2024) 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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Ripple Fiber.

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