478 N 3rd St, Freeland, MI 48623 Property Records

Saginaw County property record for 478 N 3rd St, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1972
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (May 2022)
Tax Bill	$2,401 (2025)
Deeds & Mortgages	Apr 2022 Mortgage May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-3-16-0470-000`

Property Details

APN / Parcel Number

Primary APN	`29-13-3-16-0470-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	138 ft deep x 70 ft wide
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	16 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	478 N 3RD ST
City	FREELAND
State	MI
Zip	48623-2514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1-AGRI
Legal Description	LOT 70 & N 10 FT OF LOT 71 OSTRANDER & OSTRANDER ADD TO THE VILLAGE OF TITTABAWASSEE SEC 16 T13N R3E SEC 16 T13N R3E
Legal Range	03E
Legal Township	13N
Legal Section	16
Legal Subdivision	OSTRANDER & OSTRANDER ADD
Legal Lot Number	70-71
Jurisdiction	SAGINAW MI
Township / Civil Division	TITTABAWASSEE
Census Block Group	1
Census Block	1026
Census Tract	10101

Owner

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	PO BOX 51, FREELAND, MI 48623-0051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED FINANCIAL CU
May 3, 2022	Warranty Deed, Transfer TITLE RESOURCE AGENCY
Oct 21, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2022 · Amount on Record
Deed Sale	May 3, 2022 · Amount on Record
Prior Sale	Oct 21, 2020 · Amount on Record
Deed Document Number	202213617
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	478 N 3RD ST, FREELAND, MI 48623-2514
Transaction Type	Mortgage
Record Updated	May 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1807 BARNARD ST, SAGINAW, MI 48602-4908

Mortgage

Document Number	0000013251
Date	Apr 28, 2022
Instrument	2022013251

Lender

Name	UNITED FINANCIAL CU
Type	Credit Union
Address	SAGINAW, MI 48603

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	May 3, 2022
Property Address	478 N 3RD ST, FREELAND, MI 48623-2514
Document Number	0000013617
Map Reference	LB 3 PG 33
Instrument Date	Apr 15, 2022
Instrument	2022013617
Transaction Type	Transfer
Record Updated	May 16, 2022
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	478 N 3RD ST, 478, FREELAND, MI 48623-2514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 N 3RD ST, FREELAND, MI 48623-2514

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 21, 2020
Property Address	478 N 3RD ST, FREELAND, MI 48623-2514
Document Number	2020026546
Map Reference	LB 3 PG 33
Instrument Date	Oct 20, 2020
Instrument	2020026546
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 S 6TH ST, 114, FREELAND, MI 48623-2526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2472 N KEARNEY DR, SAGINAW, MI 48603-3480

Mortgage

Document Number	2020026547
Date	Oct 21, 2020
Instrument	2020026547

Lender

Name	UNITED FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$74,800 (+36.5%)	$149,600 (+36.5%)
2025	$2,401.00 (+27.04%) Homeowner's exemption
2023		$54,800	$109,600
2022	$1,890.00

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

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	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 296 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
LakeNet Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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