4680 Elder Ln, Saginaw, MI 48604 Property Records

Saginaw County property record for 4680 Elder Ln, Saginaw, MI 48604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,686 sqft · built 1978
Lot Size	0.306 acres (13,329 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (May 2025)
Tax Bill	$3,123 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jul 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-03-2232-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-03-2232-000`
Alternative APN	`124032232000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,686 sqft Living Area
1st Floor Area	958 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Combination
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,329 sqft (0.306 acres)
Lot Dimensions	148 ft deep x 90 ft wide
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	168 sqft
Deck Area	Deck Area
Patio Area	332 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4680 ELDER LN
City	SAGINAW
State	MI
Zip	48604-9535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 32 COTTAGE GROVE SUBDIVISION PART OF NW 1/4 SEC 03 T12N R4E
Legal Range	04E
Legal Township	12N
Legal Section	03
Legal Subdivision	GROVE SUBDIVISION
Legal Lot Number	32
Legal Unit	32
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	1
Census Block	1001
Census Tract	10304

Owner

4680 Elder Ln is owned and occupied by an individual who bought it in May 2025.

Source: Saginaw County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	3550 S GRAHAM RD, SAGINAW, MI 48609-9731
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jul 15, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FINANCIAL PLUS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2025 · Amount on File
Deed Sale	May 29, 2025 · Amount on File
Deed Document Number	202513143
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4680 ELDER LN, SAGINAW, MI 48604-9535
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4680 ELDER LN, SAGINAW, MI 48604-9535

Mortgage

Document Number	0000020283
Date	Sep 12, 2023
Instrument	2023020283

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 7, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4680 ELDER LN, SAGINAW, MI 48604-9535
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4680 ELDER LN, SAGINAW, MI 48604-9535

Mortgage

Document Number	0000019852
Date	Jul 15, 2022
Instrument	2022019852

Lender

Name	FINANCIAL PLUS CU
Type	Credit Union
Address	FLINT, MI 48507

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jun 28, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 4680 Elder Ln was $3,123 with a homeowner's exemption.

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		$111,900	$223,800
2025	$3,123.00 Homeowner's exemption
2023		$84,200	$168,400
2022	$2,628.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4680 Elder Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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 Claims	3 (1979–2016)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 2016 · other causes

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

Wildfire risk around 4680 Elder Ln 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.

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 142 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
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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