Saginaw County property record for 4656 Henry Dr, Saginaw, MI 48638
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,729 sqft · built 1961 |
| Lot Size | 0.429 acres (18,687 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $138,500 (May 2017) |
| Tax Bill | $3,620 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-12-4-21-3131-000 |
| Primary APN | 23-12-4-21-3131-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,729 sqft Living Area |
| 1st Floor Area | 1,729 sqft |
| Basement Area | 901 sqft |
| Finished Basement | 901 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,687 sqft (0.429 acres) |
| Lot Dimensions | 169 ft deep x 110 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 232 sqft |
| Deck Area | Deck Area |
| Patio Area | 220 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4656 HENRY DR |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48638-5660 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 31 BROCKWAY CENTER FIRST ADD. SEC 21 T12N R4E |
| Legal Range | 04E |
| Legal Township | 12N |
| Legal Section | 21 |
| Legal Subdivision | BROCKWAY CENTER FIRST ADD |
| Legal Lot Number | 31 |
| Legal Unit | 31 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | SAGINAW |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10501 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4656 HENRY DR, SAGINAW, MI 48638-5660 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 22, 2026 | Deed of Trust, Mortgage · Line of Credit FRANKENMUTH CREDIT UNION |
| Jan 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FRANKENMUTH CU |
| May 5, 2017 | Warranty Deed, Transfer · VA Mortgage INDEPENDENT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2017 · Amount on Record |
| Deed Sale | May 5, 2017 · Amount on Record |
| Deed Document Number | 201715028 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 22, 2026 |
| Property Address | 4656 HENRY DR, SAGINAW, MI 48638-5660 |
| Document Number | 0000013907 |
| Instrument Date | May 18, 2026 |
| Instrument | 202613907 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4656 HENRY DR, SAGINAW, MI 48638-5660 |
| Document Number | 0000013907, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202613907 |
| Name | FRANKENMUTH CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | May 18, 2066 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 4656 HENRY DR, SAGINAW, MI 48638-5660 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2021 |
| Title Company | MERIDIAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4656 HENRY DR, SAGINAW, MI 48638-5660 |
| Document Number | 0000002544 |
|---|---|
| Date | Jan 25, 2021 |
| Instrument | 2021002544 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Address | FRANKENMUTH, MI 48734 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 5, 2017 |
| Property Address | 4656 HENRY DR, SAGINAW, MI 48638-5660 |
| Document Number | 2017015028 |
| Instrument Date | Apr 28, 2017 |
| Instrument | 2017015028 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2021 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,192.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4656 HENRY DR, 4656, SAGINAW, MI 48638-5660 |
| Name | Verified Name |
|---|---|
| Address | 2309 WHISPERING PINES DR, PINCKNEY, MI 48169-8873 |
| Document Number | 0000015029 |
|---|---|
| Date | May 5, 2017 |
| Instrument | 2017015029 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49525 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Saginaw Charter Township |
| Unified School District | Saginaw Township Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $124,200 (+3.5%) | $248,400 (+3.5%) | |
| 2025 | $3,620.00 (+21.03%) Homeowner's exemption | $120,000 (+27.25%) | $240,000 (+27.25%) |
| 2023 | $94,300 | $188,600 | |
| 2022 | $2,991.00 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 271 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 |
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