4713 Elder Ln, Saginaw, MI 48604 Property Records

Saginaw County property record for 4713 Elder Ln, Saginaw, MI 48604

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,332 sqft · built 1977
Lot Size	0.267 acres (11,631 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Jun 2025)
Tax Bill	$2,705 (2025)
Deeds & Mortgages	Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-03-2235-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-03-2235-000`
Alternative APN	`124032235000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,332 sqft Living Area
1st Floor Area	1,332 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Combination
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,631 sqft (0.267 acres)
Lot Dimensions	157 ft deep x 74 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	248 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4713 ELDER LN
City	SAGINAW
State	MI
Zip	48604-9536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 35 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	35
Legal Unit	35
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	1
Census Block	1007
Census Tract	10304

Owner

4713 Elder Ln is owned and occupied by two individuals who bought it in June 2025.

Source: Saginaw County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	311 INDIAN BLFS NE, SPARTA, MI 49345-8495
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2025 · Amount on File
Deed Sale	Jun 23, 2025 · Amount on File
Deed Document Number	202514941
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4713 ELDER LN, SAGINAW, MI 48604-9536
Document Number	0000014260
Instrument Date	Apr 11, 2017
Transaction Type	Mortgage
Record Updated	May 22, 2017
Title Company	MID-STATE TITLE SERVICES INC, MID-STATE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4713 ELDER LN SAGINAW MI 486049536, SAGINAW, MI 48604-9536

Mortgage

Document Number	0000014260
Date	Apr 26, 2017
Instrument	14260

Lender

Name	WANIGAS FCU
Type	Credit Union
Address	SAGINAW, MI 48603

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 25, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 4713 Elder Ln was $2,705 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		$96,100	$192,200
2025	$2,705.00 Homeowner's exemption
2023		$71,800	$143,600
2022	$2,279.00

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 4713 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 4713 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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