Saginaw County property record for 4765 Elder Ln, Saginaw, MI 48604
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,440 sqft · built 1961 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on File |
| Last Sale | $48,850 (Jan 2014) |
| Tax Bill | $2,526 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-12-4-03-2181-000 |
| Primary APN | 23-12-4-03-2181-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Basement Area | 1,212 sqft |
| Unfinished Basement | 1,212 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 206 ft deep x 94 ft wide |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 182 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4765 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 81 URBANA PARK A PART OF NE FRL. 1/4 OF NW FRL. 1/4 SEC 03 T12N R4E |
| Legal Range | 04E |
| Legal Township | 12N |
| Legal Section | 03 |
| Legal Subdivision | URBANA PARK |
| Legal Lot Number | 81 |
| Legal Unit | 81 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | SAGINAW |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 10304 |
4765 Elder Ln is owned and occupied by an individual who bought it in January 2014.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4765 ELDER LN, SAGINAW, MI 48604-9536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 2014 · Amount on File |
| Deed Sale | Jan 24, 2014 · Amount on File |
| Prior Sale | Apr 25, 2013 · Amount on File |
| Deed Document Number | 20141755 |
| Deed Book / Page | 2759 / 1599 |
| Prior Transfer Date | Dec 27, 2013 |
| Prior Transfer Doc | 0000001755 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 4765 Elder Ln was $2,526 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Saginaw Charter Township |
| Unified School District | Saginaw Township Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $96,500 (+5.12%) | $193,000 (+5.12%) | |
| 2025 | $2,526.00 Homeowner's exemption | $91,800 | $183,600 |
| 2023 | $71,000 | $142,000 | |
| 2022 | $2,018.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4765 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 risk around 4765 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.
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 |
| 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.
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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