5045 Teft Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 5045 Teft Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,536 sqft · built 1966
Lot Size	0.71 acres (30,928 sqft)
Owner	2 Individual Names on File
Last Sale	$177,000 (Apr 2024)
Tax Bill	$3,342 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Oct 2018 Sale & Refinance + 1 more
Flood Zone	Zone X (moderate risk)
APN	`26-11-3-20-1001-000`

Property Details

APN / Parcel Number

Primary APN	`26-11-3-20-1001-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
1st Floor Area	1,536 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick/Stone
Foundation Type	No Foundation
Roof Type	Hip
Roof Material	Asphalt
Lot Area	30,928 sqft (0.71 acres)
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	5045 TEFT RD
City	SAINT CHARLES
State	MI
Zip	48655-8544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 150.50 FT OF N 325.50 FT OF N 462 FT OF THAT PART OF NE 1/4 OF SEC 20 LYING E OF ELY LINE OF PCRR R/W 2.13 ACRES SEC 20
Legal Range	03E
Legal Township	11N
Legal Section	20
Jurisdiction	SAGINAW MI
Township / Civil Division	SWAN CREEK
Census Block Group	1
Census Block	1032
Census Tract	11902

Owner

5045 Teft Rd is owned and occupied by two individuals who bought it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	5045 TEFT RD, SAINT CHARLES, MI 48655-8544
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

Date	Document
Apr 16, 2024	Deed of Trust, Mortgage · Conventional Mortgage ICON MORTGAGE LENDING INC
Oct 19, 2018	Warranty Deed, Transfer · Stand-Alone Refinance SAGINAW MEDICAL FEDERAL CREDIT UNION
Mar 28, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2024 · Amount on File
Deed Sale	Apr 16, 2024 · Amount on File
Prior Sale	Oct 19, 2018 · Amount on File
Deed Document Number	202410242
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	5045 TEFT RD, SAINT CHARLES, MI 48655-8544
Transaction Type	Mortgage
Record Updated	May 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5045 TEFT RD, SAINT CHARLES, MI 48655-8544

Mortgage

Document Number	0000010243
Date	Apr 16, 2024
Instrument	2024010243

Lender

Name	ICON MORTGAGE LENDING INC
Type	Mortgage Company
Address	5141 GATEWAY CTR, FLINT, MI 48507

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 19, 2018
Property Address	5045 TEFT RD, SAINT CHARLES, MI 48655-8544
Document Number	2018026837
Instrument Date	Oct 12, 2018
Instrument	2018026837
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	938 JILMAR ST, CHESANING, MI 48616-1368

Mortgage

Document Number	0000026838
Date	Oct 19, 2018
Instrument	2018026838

Lender

Name	SAGINAW MEDICAL FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	337 Months
Due	Nov 1, 2046

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Mar 28, 2018
Property Address	5045 TEFT RD, SAINT CHARLES, MI 48655-8544
Document Number	0000006959
Instrument Date	Mar 7, 2017
Instrument	6959
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1559 CRANBROOK DR SAGINAW MI 486384479, SAGINAW, MI 48638-4479

Tax Assessment & Valuation

The 2025 property tax bill for 5045 Teft Rd was $3,342 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	Swan Creek Township
Unified School District	St. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$86,100	$172,200
2025	$3,342.00 Homeowner's exemption
2023		$62,500	$125,000
2022	$1,794.00

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

FEMA maps place 5045 Teft Rd in Zone X, an area of moderate flood risk, within 500 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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

Wildfire risk around 5045 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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