Saginaw County property record for 540 Ruby St, Saginaw, MI 48602 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1894 |
| Square Footage | 1,308 sqft Living Area |
| Lot Size | 6,534 sqft (0.15 acres) |
| Garage | 352 sqft |
| Last Sale | $46,000 (2022) |
| Tax Bill | $1,902.00 (2025) |
| Primary APN | 91-90-1-37-4000-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,308 sqft Living Area |
| 1st Floor | 1,076 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 1894 |
|---|---|
| Effective Year Built | Effective 1894 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Foundation Type | No Foundation Foundation |
| Roof Material | Roll Composition (rolled Mineral Roof) Roof |
| Lot Area | 6,534 sqft (0.15 acres) |
| Depth X Width | 129 ft x 50 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Area | 352 sqft Garage |
| Porch | Covered Porch |
| Porch Area | 84 sqft Porch |
| Heating System | Floor/Wall Furnace Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 540 RUBY ST |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48602-1171 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 23,BLK.21,SAGINAW IMPROVEMENT COMPANYS ADDITION I ALSO THAT PART OF S.WLY.1/2 OF VACATED ALLEY LYING ADJACENT THERETO |
| Legal Range | 1E |
| Legal Township | 90N |
| Legal Section | 37 |
| Legal Subdivision | IMPROVEMENT COMPANYS ADD |
| Legal Block | 21 |
| Legal Lot Number | 23 |
| Legal Unit | 23 |
| Jurisdiction | SAGINAW MI |
| Minor Civil Division | SAGINAW |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 1200 |
Source: Saginaw County records · APN 91-90-1-37-4000-000
Assessment roll updated September 9, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 188, SAINT HELEN, MI 48656-0188 |
| Owner Type | Owner is a Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Mar 23, 2022 | Warranty Deed, Transfer DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY |
| Nov 27, 2018 | Warranty Deed, Transfer NAVY FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 23, 2022 · Amount on Record |
| Deed Sale | Mar 23, 2022 · Amount on Record |
| Prior Sale | Nov 27, 2018 · Amount on Record |
| Deed Doc Number | 20227082 |
| Prior Transfer Date | Sep 02, 1994 |
| Prior Transfer Doc | 1916002260 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Mar 23, 2022 |
| Property Address | 540 RUBY ST, SAGINAW, MI 48602-1171 |
| Document Number | 0000007082 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Mar 08, 2022 |
| Instrument | 2022007082 |
| Transaction Type | Transfer |
| Record Updated | Apr 07, 2022 |
| Title Company | DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $345.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 22012 FIRST ST, 22012, LINDEN, CA 95236-9552 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 188, SAINT HELEN, MI 48656-0188 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Nov 27, 2018 |
| Property Address | 540 RUBY ST, SAGINAW, MI 48602-1171 |
| Document Number | 0000029315 |
| Instrument Date | Nov 14, 2018 |
| Instrument | 29315 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2018 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $37.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2783 CECELIA ST SAGINAW MI 486025743, SAGINAW, MI 48602-5743 |
| Document Number | 29316 |
|---|---|
| Date | Nov 27, 2018 |
| Instrument | 29316 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 26, 2048 |
Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| Municipality | Saginaw City |
| Unified School District | Saginaw City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $30,900 (+44.39%) | $61,800 (+44.39%) | |
| 2025 | $1,902.00 (+46.31%) | ||
| 2023 | $21,400 | $42,800 | |
| 2022 | $1,300.00 |
540 Ruby St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Saginaw County (26145C), updated March 29, 2024
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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