4704 N River Rd, Freeland, MI 48623 Property Records

Saginaw County property record for 4704 N River Rd, Freeland, MI 48623 · Last verified May 2024

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,024 sqft · built 1996
Lot Size	1.14 acres (49,658 sqft)
Owner	Company Name on File
Last Sale	$5,000 (Oct 2022)
Deeds & Mortgages	Sep 2019 Refinance Nov 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-12-3-03-1002-004`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-03-1002-004`
Alternative APN	`28-12-3-03-1002-020`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,024 sqft Living Area
Gross Area	4,578 sqft
1st Floor Area	2,006 sqft
Basement Area	1,740 sqft

Exterior

Year Built	Built 1996
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	49,658 sqft (1.14 acres)
Lot Dimensions	228 ft deep x 155 ft wide
Garage Area	814 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Gunite Pool
Porch	Porch
Porch Area	40 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	28123031002004
Street Address	4704 N RIVER RD
City	FREELAND
State	MI
Zip	48623-8858
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT A PT ON N & S 1/4 LINE OF FRL SEC 3 WHICH IS S 00?00'00 W 1805.53 FT FROM N 1/4 CORN OF SD SEC TH S 89?10'02" E 320.03
Legal Range	03E
Legal Township	12N
Legal Section	03
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	1
Census Block	1004
Census Tract	12002

Owner

Source: Saginaw County records · APN 28-12-3-03-1002-004

Assessment roll updated March 1, 2023 · Last verified May 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	4704 N RIVER RD, FREELAND, MI 48623-8858
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance JOLT CREDIT UNION
Nov 30, 2020	Intrafamily Transfer, Transfer
Nov 22, 2019	Warranty Deed, Transfer · Conventional Mortgage DOW CHEMICAL EMPS CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 04, 2022 · Amount on Record
Deed Sale	Oct 04, 2022 · Amount on Record
Prior Sale	Nov 22, 2019 · Amount on Record
Deed Document Number	2022026199
Prior Transfer Date	Nov 30, 2020
Prior Transfer Doc	2020030137
Record Updated	Jun 07, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4704 N RIVER RD, FREELAND, MI 48623-8858
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022664
Date	Sep 10, 2019
Instrument	2019022664

Lender

Name	JOLT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	109 Months
Due	Oct 01, 2028

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Nov 30, 2020
Property Address	4704 N RIVER RD, FREELAND, MI 48623-8858
Document Number	0000030137
Instrument Date	Oct 19, 2020
Instrument	2020030137
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4704 N RIVER RD, FREELAND, MI 48623-8858

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 22, 2019
Property Address	4704 N RIVER RD, FREELAND, MI 48623-8858
Document Number	0000028683
Instrument Date	Nov 18, 2019
Instrument	28683
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$242.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7670 HILLSHIRE CT SAGINAW MI 486094217, SAGINAW, MI 48609-4217

Mortgage

Document Number	28684
Date	Nov 22, 2019
Instrument	28684

Lender

Name	DOW CHEMICAL EMPS CU
Type	Credit Union
Address	MIDLAND, MI 48641-1649

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2049

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated March 1, 2023 · Last verified May 2024

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Thomas Township
Unified School District	Freeland Community School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Assessed Value	Assessed Market Value
2023	$128,100	$256,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), updated March 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261450120021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force
Nearby Flood Claims	9 (1978–2022)
Most Recent Claim	Aug 2022, other causes
Claims By Storm	Severe Storms And Flooding, May 2020 · 3 claims Severe Storms & Flooding, Sep 1986 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 102 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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