Saginaw County property record for 509 E Belle Ave, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 843 sqft · built 1889 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $755 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 24-10-3-05-0261-000 |
| Primary APN | 24-10-3-05-0261-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 843 sqft Living Area |
| 1st Floor Area | 843 sqft |
| Year Built | Built 1889 |
|---|---|
| Effective Year Built | Effective 1889 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 116 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 509 E BELLE AVE |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-1503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 BLK 59 VILLAGE OF ST CHARLES SEC 05 T10N R3E |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 05 |
| Legal Subdivision | VILLAGE OF ST CHARLES |
| Legal Block | 59 |
| Legal Lot Number | 3 |
| Legal Unit | 3 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 12600 |
Source: Saginaw County records · APN 24-10-3-05-0261-000
Assessment roll updated September 9, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 509 E BELLE AVE, SAINT CHARLES, MI 48655-1503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Apr 19, 2012 |
| Transfer Doc | 0000015564 |
| Record Updated | Sep 20, 2026 |
Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | St. Charles Township |
| Municipality | St. Charles Village |
| Unified School District | St. Charles Community Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $35,000 (+20.69%) | $70,000 (+20.69%) | |
| 2025 | $755.00 (-19.51%) | ||
| 2023 | $29,000 | $58,000 | |
| 2022 | $938.00 |
Source: FEMA National Flood Hazard Layer as of March 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 593.3 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 12 (1986–2020) |
| Most Recent Claim | May 2020 · Severe Storms And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 186 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VILLAGE OF ST. CHARLES serves 2,054 people |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2024 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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