4779 Elder Ln, Saginaw, MI 48604 Property Records

Saginaw County property record for 4779 Elder Ln, Saginaw, MI 48604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,236 sqft · built 1967
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$133,500 (Oct 2021)
Tax Bill	$2,959 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-03-2182-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-03-2182-000`
Alternative APN	`124032182000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
1st Floor Area	1,236 sqft
Basement Area	1,236 sqft
Unfinished Basement	1,236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	111 ft deep x 111 ft wide
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	175 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4779 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 82 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 SUB
Legal Lot Number	82
Legal Unit	82
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	1
Census Block	1007
Census Tract	10304

Owner

4779 Elder Ln is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	4779 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.

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Jul 14, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Oct 6, 2021	Warranty Deed, Transfer · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2021 · Amount on File
Deed Sale	Oct 6, 2021 · Amount on File
Prior Sale	Oct 3, 2002 · Amount on File
Deed Document Number	202132460
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4779 ELDER LN, SAGINAW, MI 48604-9536
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4779 ELDER LN, SAGINAW, MI 48604-9536

Mortgage

Document Number	0000006299
Date	Mar 27, 2026
Instrument	2026006299

Lender

Name	ROCKET MORTGAGE
Address	999 TECH ROW STE 200, MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	307 Months
Due	Oct 1, 2051

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4779 ELDER LN, SAGINAW, MI 48604-9536
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4779 ELDER LN, SAGINAW, MI 48604-9536

Mortgage

Document Number	0000016310
Date	Jul 14, 2023
Instrument	2023016310

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	339 Months
Due	Oct 1, 2051

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 6, 2021
Property Address	4779 ELDER LN, SAGINAW, MI 48604-9536
Document Number	2021032460
Map Reference	LB 8 PG 50&51
Instrument Date	Sep 27, 2021
Instrument	2021032460
Transaction Type	Transfer
Record Updated	Oct 19, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,001.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	228 RED OAK TRL, 228, SPRING HILL, TN 37174-7504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4779 ELDER LN, SAGINAW, MI 48604-9536

Mortgage

Document Number	2021032461
Date	Oct 6, 2021
Instrument	2021032461

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4779 Elder Ln was $2,959 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		$96,400 (+7.83%)	$192,800 (+7.83%)
2025	$2,959.00 Homeowner's exemption	$89,400	$178,800
2023		$71,500	$143,000
2022	$2,483.00

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

Flood

FEMA maps place 4779 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 4779 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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