Saginaw County property record for 524 Pine St, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,256 sqft · built 1973 |
| Lot Size | 1.04 acres (45,694 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,271 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 24-10-3-05-0366-601 |
| Primary APN | 24-10-3-05-0366-601 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| 1st Floor Area | 1,256 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Lot Area | 45,694 sqft (1.04 acres) |
| Lot Depth | 188 ft Depth |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 524 PINE ST |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-1230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE E 100 FT OF W 200 FT OF S 188.26 FT BLK 105 EXC N 35 FT OF E 73.25 FT OF W 173.25 FT BLK 105 AND ALSO E 1/2 OF BLK 105 |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 05 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 12600 |
524 Pine St is owned and occupied by two individuals who acquired it in June 1996.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 524 PINE ST, SAINT CHARLES, MI 48655-1230 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 21, 1996 |
| Transfer Doc | 0000006141 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 524 PINE ST, SAINT CHARLES, MI 48655-1230 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2021 |
| Name | Verified Name |
|---|---|
| Address | 524 PINE ST, SAINT CHARLES, MI 48655-1230 |
| Document Number | 2021026463 |
|---|---|
| Date | Aug 10, 2021 |
| Instrument | 2021026463 |
| Name | THE STATE BANK |
|---|---|
| Type | Bank |
| Address | FENTON, MI 48430 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Sep 1, 2031 |
The 2025 property tax bill for 524 Pine St was $3,271 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $82,300 | $164,600 | |
| 2025 | $3,271.00 Homeowner's exemption | ||
| 2023 | $66,200 | $132,400 | |
| 2022 | $1,731.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 524 Pine St in Zone AE, 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 7 (1986–2026) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Apr 2026 |
| 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 524 Pine St is low, with less than 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 94% of the US · lower than 85% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VILLAGE OF ST. CHARLES serves 2,054 people · EPA ID MI0006260 |
|---|---|
| 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, 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.
Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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