4970 Lone Rd, Freeland, MI 48623 Property Records

Saginaw County property record for 4970 Lone Rd, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,898 sqft · built 1977
Lot Size	0.537 acres (23,392 sqft)
Owner	2 Individual Names on File
Last Sale	$190,500 (Jan 2022)
Tax Bill	$3,787 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-12-3-04-2116-000`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-04-2116-000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	3 Stories
Building Area	1,898 sqft Living Area
1st Floor Area	1,182 sqft
Basement Area	506 sqft
Unfinished Basement	506 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Tri-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,392 sqft (0.537 acres)
Lot Dimensions	234 ft deep x 100 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	210 sqft
Deck Area	Deck Area
Patio Area	408 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	4970 LONE RD
City	FREELAND
State	MI
Zip	48623-9276
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 16 INDIAN RESERVE ACRES SEC 04 T12N R3E
Legal Range	03E
Legal Township	12N
Legal Section	04
Legal Subdivision	INDIAN RESERVE ACRES
Legal Lot Number	16
Legal Unit	16
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	1
Census Block	1007
Census Tract	12002

Owner

4970 Lone Rd is owned and occupied by two individuals who bought it in January 2022.

Source: Saginaw County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4970 LONE RD, FREELAND, MI 48623-9276
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2022 · Amount on File
Deed Sale	Jan 20, 2022 · Amount on File
Deed Document Number	20221954
Prior Transfer Date	Oct 20, 2016
Prior Transfer Doc	0000027880
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 20, 2022
Property Address	4970 LONE RD, FREELAND, MI 48623-9276
Document Number	0000001954
Map Reference	LB 16 PG 38
Instrument Date	Jan 14, 2022
Instrument	2022001954
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ABSTRACT TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,428.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10750 S GRANT AVE, 10750, CLARE, MI 48617-9418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 WILSON ST, BAY CITY, MI 48708-7764
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001955
Date	Jan 20, 2022
Instrument	2022001955

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 4970 Lone Rd was $3,787 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	Thomas Township
Unified School District	Freeland Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$117,300 (+4.92%)	$234,600 (+4.92%)
2025	$3,787.00 Homeowner's exemption	$111,800	$223,600
2023		$96,400	$192,800
2022	$2,526.00

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

Flood

FEMA maps place 4970 Lone Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.

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	3 in force
Nearby Flood Claims	9 (1978–2022)
Most Recent Claim	Aug 2022 · other causes
Claims by Event	Severe Storms And Flooding, May 2020 · 3 claims Severe Storms & Flooding, Sep 1986 · 3 claims

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 4970 Lone Rd 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 98% of the US · lower than 95% 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	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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35