Saginaw County property record for 5040 N River Rd, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,488 sqft · built 1990 |
| Lot Size | 2.67 acres (116,305 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $10,500 (Sep 1990) |
| Tax Bill | $3,538 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Mar 2017 Line of Credit |
| Flood Zone | Zone A (high risk) |
| APN | 29-13-3-34-4002-004 |
| Primary APN | 29-13-3-34-4002-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,488 sqft Living Area |
| 1st Floor Area | 1,072 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 116,305 sqft (2.67 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 256 sqft |
| Deck Area | Deck Area |
| Patio Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 5040 N RIVER RD |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-9205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1-AGRI |
| Legal Description | COM ON N&S 1/4 LINE OF SEC 34 AT A PT 345.77 FT N FROM S 1/4 CORN TH E 137 FT TH N61DEG E 531.74 FT TH S15DEG E 154.36 FT TH |
| Legal Range | 03E |
| Legal Township | 13N |
| Legal Section | 34 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TITTABAWASSEE |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 10102 |
5040 N River Rd is owned and occupied by two individuals who bought it in September 1990.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5040 N RIVER RD, FREELAND, MI 48623-9205 |
| 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.
| Date | Document |
|---|---|
| Mar 23, 2022 | Deed of Trust, Mortgage · Line of Credit 1ST STATE BANK |
| Mar 24, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST ST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 1990 · Amount on File |
| Deed Sale | Sep 8, 1990 · Amount on File |
| Deed Book / Page | 1777 / 1444 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 5040 N RIVER RD, FREELAND, MI 48623-9205 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5040 N RIVER RD, FREELAND, MI 48623-9205 |
| Document Number | 0000007105 |
|---|---|
| Date | Mar 23, 2022 |
| Instrument | 2022007105 |
| Name | 1ST STATE BANK |
|---|---|
| Type | Bank |
| Address | SAGINAW, MI 48605 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 5040 N RIVER RD, FREELAND, MI 48623-9205 |
| Document Number | 0000013898 |
| Instrument Date | Mar 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5040 N RIVER RD FREELAND MI 486239205, FREELAND, MI 48623-9205 |
| Document Number | 0000013898 |
|---|---|
| Date | Apr 21, 2017 |
| Instrument | 13898 |
| Name | FIRST ST BK |
|---|---|
| Type | Bank |
| Address | SAGINAW, MI 48605 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 5040 N River Rd was $3,538 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Tittabawassee Township |
| Unified School District | Freeland Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $128,900 | $257,800 | |
| 2025 | $3,538.00 Homeowner's exemption | ||
| 2023 | $98,400 | $196,800 | |
| 2022 | $2,832.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5040 N River Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 3 (2017–2020) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | May 2020 · Severe Storms And Flooding |
| Claims by Event |
|
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 5040 N River 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 30 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 |
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