4685 Wall St, Saginaw, MI 48638 Property Records

Saginaw County property record for 4685 Wall St, Saginaw, MI 48638

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,650 sqft · built 1955
Lot Size	0.273 acres (11,892 sqft)
Owner	2 Individual Names on Record
Last Sale	$78,000 (Sep 2019)
Tax Bill	$2,935 (2025)
Deeds & Mortgages	Sep 2019 Sale & Refinance Jul 2019 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-21-2371-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-21-2371-000`
Alternative APN	`124212371000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,650 sqft Living Area
1st Floor Area	1,650 sqft
Basement Area	1,660 sqft
Finished Basement	1,660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,892 sqft (0.273 acres)
Lot Dimensions	140 ft deep x 85 ft wide
Garage Area	391 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	54 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4685 WALL ST
City	SAGINAW
State	MI
Zip	48638-4568
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 71 & W 10 FT OF LOT 72 WESTWOOD PARK SEC 21 T12N R4E
Legal Range	04E
Legal Township	12N
Legal Section	21
Legal Subdivision	WESTWOOD PARK
Legal Lot Number	71-72
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	4
Census Block	4001
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	2 Individual Names on Record
Mailing Address	4685 WALL ST, SAGINAW, MI 48638-4568
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2019	Warranty Deed, Transfer · Stand-Alone Refinance JOLT CREDIT UNION
Jul 9, 2019	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2019 · Amount on Record
Deed Sale	Sep 4, 2019 · Amount on Record
Prior Sale	Dec 23, 2003 · Amount on Record
Deed Document Number	201922213
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 4, 2019
Property Address	4685 WALL ST, SAGINAW, MI 48638-4568
Document Number	0000022213
Instrument Date	Aug 30, 2019
Instrument	2019022213
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2931 NOTTINGHAM DR W, SAGINAW, MI 48603-2836

Mortgage

Document Number	0000022214
Date	Sep 4, 2019
Instrument	2019022214

Lender

Name	JOLT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	109 Months
Due	Oct 1, 2028

July 2019: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	SAGINAW MI
Recording Date	Jul 9, 2019
Property Address	4685 WALL ST, SAGINAW, MI 48638-4568
Document Number	0000017670
Instrument Date	May 30, 2019
Instrument	17670
Transaction Type	Foreclosure
Record Updated	Jul 19, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6180 STATE ST SAGINAW MI 486033425, SAGINAW, MI 48603-3425

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		$108,000 (+29.19%)	$216,000 (+29.19%)
2025	$2,935.00 (+19.16%) Homeowner's exemption
2023		$83,600	$167,200
2022	$2,463.00

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	Not rated no burnable land within 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 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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