Saginaw County property record for 4820 Teft Rd, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,164 sqft · built 1955 |
| Lot Size | 1.83 acres (79,715 sqft) |
| Owner | Individual Name on File |
| Last Sale | $227,000 (May 2026) |
| Tax Bill | $2,444 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-11-3-17-4044-001 |
| Primary APN | 26-11-3-17-4044-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,164 sqft Living Area |
| 1st Floor Area | 1,164 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Lot Area | 79,715 sqft (1.83 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4820 TEFT RD |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-9549 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 350 FT OF THAT PART OF SE 1/4 OF SE 1/4 OF SEC 17 LYING E OF M C R R R/W AND W OF TEFT RD -- 1.83 ACRES SEC 17 T11N R3E |
| Legal Range | 03E |
| Legal Township | 11N |
| Legal Section | 17 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | SWAN CREEK |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 11902 |
4820 Teft Rd is owned and occupied by an individual who bought it in May 2026.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5063 MAYBROOK DR, SAGINAW, MI 48603-1848 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 | May 7, 2026 · Amount on File |
| Deed Sale | May 7, 2026 · Amount on File |
| Prior Sale | Nov 5, 2019 · Amount on File |
| Deed Document Number | 202612580 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 7, 2026 |
| Property Address | 4820 TEFT RD, SAINT CHARLES, MI 48655-9549 |
| Document Number | 0000012580 |
| Instrument Date | May 6, 2026 |
| Instrument | 2026.12580 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $171,952.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000012581, |
|---|---|
| Date | May 7, 2026 |
| Instrument | 2026..12581 |
| Name | JET CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 1, 2036 |
| Rate Type | Balloon |
|---|---|
| Rate | 6.38% |
| Initial Type | Balloon |
| Max Rate | -1% |
The 2025 property tax bill for 4820 Teft Rd was $2,444 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Swan Creek Township |
| Unified School District | St. Charles Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $81,900 (+8.33%) | $163,800 (+8.33%) | |
| 2025 | $2,444.00 Homeowner's exemption | $75,600 | $151,200 |
| 2023 | $61,200 | $122,400 | |
| 2022 | $1,939.00 |
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.
FEMA maps place 4820 Teft Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2013) |
| Most Recent Claim | Apr 2013 · Flooding |
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 4820 Teft Rd is low, with 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 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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 | SWAN CREEK TOWNSHIP serves 2,023 people · EPA ID MI0006502 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2023) 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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