4975 Locust Rd, Saginaw, MI 48604 Property Records

Saginaw County property record for 4975 Locust Rd, Saginaw, MI 48604

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,788 sqft · built 1969
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Aug 2022)
Tax Bill	$4,254 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-12-4-03-2192-000`

Property Details

APN / Parcel Number

Primary APN	`23-12-4-03-2192-000`
Alternative APN	`124032192000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,788 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Bi-Level
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	112 ft deep x 109 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4975 LOCUST RD
City	SAGINAW
State	MI
Zip	48604-9567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 92 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	92
Legal Unit	92
Jurisdiction	SAGINAW MI
Township / Civil Division	SAGINAW
Census Block Group	1
Census Block	1007
Census Tract	10304

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	105 VALLEY STREAM DR, HOLLY, MI 48442-1581
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 29, 2021	Quit Claim Deed, Transfer · Conventional Mortgage CASON HOME LOANS
Aug 20, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 8, 2018	Warranty Deed, Transfer · Line of Credit THUMB BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2022 · Amount on Record
Deed Sale	Aug 3, 2022 · Amount on Record
Prior Sale	Oct 8, 2018 · Amount on Record
Deed Document Number	202221207
Prior Transfer Date	Nov 23, 2021
Prior Transfer Doc	2021037309
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 3, 2022
Property Address	4975 LOCUST RD, SAGINAW, MI 48604-9567
Document Number	0000021207
Map Reference	LB 8 PG 50
Instrument Date	Jul 28, 2022
Instrument	2022021207
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	AMROCK INC, AMROCK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8111 BURT RD, 8111, BIRCH RUN, MI 48415-8713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 VALLEY STREAM DR, HOLLY, MI 48442-1581

Mortgage

Document Number	0000021208
Date	Aug 3, 2022
Instrument	2022021208

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 29, 2021
Property Address	4975 LOCUST RD, SAGINAW, MI 48604-9567
Document Number	2021037309
Map Reference	LB 8 PG 50
Instrument Date	Nov 23, 2021
Instrument	2021037309
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12111 CHURCH ST, 12111, BIRCH RUN, MI 48415-8731

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12111 CHURCH ST, BIRCH RUN, MI 48415-8731

Mortgage

Document Number	2021037310
Date	Nov 29, 2021
Instrument	2021037310

Lender

Name	CASON HOME LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 20, 2020
Property Address	4975 LOCUST RD, SAGINAW, MI 48604-9567
Document Number	0000020660
Instrument Date	Aug 10, 2020
Instrument	20660
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12111 CHURCH ST BIRCH RUN MI 484158731, BIRCH RUN, MI 48415-8731

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 8, 2018
Property Address	4975 LOCUST RD, SAGINAW, MI 48604-9567
Document Number	0000025837
Instrument Date	Aug 29, 2018
Instrument	25837
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	SAGINAW BAY AREA TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109.75
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7818 OAK CT BIRCH RUN MI 484159265, BIRCH RUN, MI 48415-9265

Mortgage

Document Number	25838
Date	Oct 8, 2018
Instrument	25838

Lender

Name	THUMB BK&TR
Address	PIGEON, MI 48755-0560

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$88,100 (+33.28%)	$176,200 (+33.28%)
2025	$4,254.00 (+45.49%)
2023		$66,100	$132,200
2022	$2,924.00

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 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

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

Wildfire Risk	Not rated no burnable land within 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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