Saginaw County property record for 4686 N Thomas Rd, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,690 sqft · built 1992 |
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $352,000 (May 2026) |
| Tax Bill | $3,852 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-12-3-03-2005-005 |
| Primary APN | 28-12-3-03-2005-005 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,690 sqft Living Area |
| 1st Floor Area | 1,690 sqft |
| Basement Area | 1,560 sqft |
| Unfinished Basement | 1,560 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,946 sqft (0.94 acres) |
| Garage Area | 566 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 436 sqft |
| Deck Area | Deck Area |
| Patio Area | 188 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Storm Sewer |
| Street Address | 4686 N THOMAS RD |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-8855 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B-5 |
| Legal Description | BEG AT A PT 995.95 FT N FROM W 1/4 CORN TH CONT N 115 FT TH E 326.26 FT TO C/L OF MACOMBER DRAIN TH S30DEG E 59.51 FT TH |
| Legal Range | 03E |
| Legal Township | 12N |
| Legal Section | 03 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | THOMAS |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 12002 |
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 | 12165 SPENCER RD, SAGINAW, MI 48609-9748 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Feb 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK |
| May 27, 2026 | Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK |
| Feb 3, 2026 | Intrafamily Transfer, Transfer |
| Feb 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 27, 2026 · Amount on Record |
| Deed Sale | May 27, 2026 · Amount on Record |
| Deed Document Number | 202614135 |
| Prior Transfer Date | Feb 3, 2026 |
| Prior Transfer Doc | 0000002293 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 4686 N THOMAS RD, FREELAND, MI 48623-8855 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4686 N THOMAS RD, FREELAND, MI 48623-8855 |
| Document Number | 0000005943 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 2021005943 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49525 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Mar 1, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 27, 2026 |
| Property Address | 4686 N THOMAS RD, FREELAND, MI 48623-8855 |
| Document Number | 0000014135 |
| Instrument Date | May 22, 2026 |
| Instrument | 202614135 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2026 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $266,640.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12165 SPENCER RD, SAGINAW, MI 48609-9748 |
| Document Number | 0000014136, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 202614136 |
| Name | INDEPENDENT BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Feb 3, 2026 |
| Property Address | 4686 N THOMAS RD, FREELAND, MI 48623-8855 |
| Document Number | 0000002293 |
| Instrument Date | Feb 3, 2026 |
| Instrument | 2026002293 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4686 N THOMAS RD, FREELAND, MI 48623-8855 |
| Name | Verified Name |
|---|---|
| Address | 4686 N THOMAS RD, FREELAND, MI 48623-8855 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 4686 N THOMAS RD, FREELAND, MI 48623-8855 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4686 N THOMAS RD, FREELAND, MI 48623-8855 |
| Document Number | 2021005943 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 2021005943 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49525 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Mar 1, 2031 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Thomas Township |
| Unified School District | Freeland Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $146,100 (+1.67%) | $292,200 (+1.67%) | |
| 2025 | $3,852.00 (+3.38%) Homeowner's exemption | $143,700 (+23.35%) | $287,400 (+23.35%) |
| 2024 | $3,726.00 (+16.4%) | ||
| 2023 | $116,500 | $233,000 | |
| 2022 | $3,201.00 |
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.
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 Policies | 3 in force |
| Nearby Flood Claims | 9 (1978–2022) |
| Most Recent Claim | Aug 2022 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% 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 | TITTABAWASSEE TOWNSHIP serves 9,227 people · EPA ID MI0002470 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2018 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 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 102 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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