5160 Curve Rd, Freeland, MI 48623 Property Records

Saginaw County property record for 5160 Curve Rd, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,788 sqft · built 1900
Lot Size	2.27 acres (98,881 sqft)
Owner	Individual Name on Record
Last Sale	$169,000 (Dec 2017)
Tax Bill	$3,364 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-3-32-3004-001`

Property Details

APN / Parcel Number

Primary APN	`29-13-3-32-3004-001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,788 sqft Living Area
1st Floor Area	1,336 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	98,881 sqft (2.27 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	480 sqft
Deck Area	Deck Area
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5160 CURVE RD
City	FREELAND
State	MI
Zip	48623-9230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1-AGRI
Legal Description	PT OF THE W 1/2 OF THE W 1/2 OF THE SW 1/4 OF SEC 32, T13N, R3E, TITTABAWASSEE TWP, SAGINAW CO, MI DESC AS: COM AT THE W 1/4
Legal Range	03E
Legal Township	13N
Legal Section	32
Legal Subdivision	STRIETER SUB
Jurisdiction	SAGINAW MI
Township / Civil Division	TITTABAWASSEE
Census Block Group	1
Census Block	1060
Census Tract	10102

Owner

Source: Saginaw County records, as of August 21, 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 Record
Mailing Address	5160 CURVE RD, FREELAND, MI 48623-9230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2020	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Dec 12, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2017 · Amount on Record
Deed Sale	Dec 12, 2017 · Amount on Record
Prior Sale	Feb 24, 1994 · Amount on Record
Deed Document Number	201732938
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	5160 CURVE RD, FREELAND, MI 48623-9230
Document Number	0000012262
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5160 CURVE RD FREELAND MI 486239230, FREELAND, MI 48623-9230

Mortgage

Document Number	0000012262
Date	May 4, 2020
Instrument	12262

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Dec 12, 2017
Property Address	5160 CURVE RD, FREELAND, MI 48623-9230
Document Number	0000032938
Instrument Date	Dec 5, 2017
Instrument	32938
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$169.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 W WHITE ST BAY CITY MI 487064560, BAY CITY, MI 48706-4560

Mortgage

Document Number	32939
Date	Dec 12, 2017
Instrument	32939

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2047

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Tittabawassee Township
Unified School District	Freeland Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$147,800	$295,600
2025	$3,364.00 (+1,325.42%) Homeowner's exemption
2022	$236.00

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

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 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	Severe Storms And Flooding, May 2020 · 2 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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)
LakeNet Fiber	1,000 / 500
Starlink Satellite	280 / 30

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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