4644 Wake St, Saginaw, MI 48638 Property Records

Saginaw County property record for 4644 Wake St, Saginaw, MI 48638

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,061 sqft · built 1949
Lot Size	0.239 acres (10,411 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Aug 2021)
Tax Bill	$2,256 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-21-2392-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-21-2392-000`
Alternative APN	`124212392000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,061 sqft Living Area
1st Floor Area	1,061 sqft
Basement Area	1,061 sqft
Finished Basement	1,061 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,411 sqft (0.239 acres)
Lot Dimensions	139 ft deep x 75 ft wide
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	276 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4644 WAKE ST
City	SAGINAW
State	MI
Zip	48638-4564
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 92 WESTWOOD PARK SEC 21 T12N R4E
Legal Range	04E
Legal Township	12N
Legal Section	21
Legal Subdivision	WESTWOOD PARK SUB
Legal Lot Number	92
Legal Unit	92
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	4
Census Block	4009
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	4644 WAKE ST, SAGINAW, MI 48638-4564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2021 · Amount on Record
Deed Sale	Aug 25, 2021 · Amount on Record
Prior Sale	Sep 25, 2006 · Amount on Record
Deed Document Number	202128066
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 25, 2021
Property Address	4644 WAKE ST, SAGINAW, MI 48638-4564
Document Number	2021028066
Map Reference	LB 6 PG 4
Instrument Date	Aug 16, 2021
Instrument	2021028066
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4644 WAKE ST, 4644, SAGINAW, MI 48638-4564

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4644 WAKE ST, SAGINAW, MI 48638-4564

Mortgage

Document Number	2021028067
Date	Aug 25, 2021
Instrument	2021028067

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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		$74,400	$148,800
2025	$2,256.00 (+984.62%) Homeowner's exemption
2022	$208.00

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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