5540 Gary Rd, Chesaning, MI 48616 Property Records

Saginaw County property record for 5540 Gary Rd, Chesaning, MI 48616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,792 sqft · built 1980
Lot Size	1.84 acres (80,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$44,900 (Nov 1988)
Tax Bill	$2,325 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Apr 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`04-10-4-32-3001-001`

Property Details

APN / Parcel Number

Primary APN	`04-10-4-32-3001-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,792 sqft Living Area
1st Floor Area	1,792 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	80,150 sqft (1.84 acres)
Lot Dimensions	382 ft deep x 210 ft wide
Garage Area	992 sqft
Parking Spaces	4 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5540 GARY RD
City	CHESANING
State	MI
Zip	48616-8429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1 PRIMAR
Legal Description	S 415 FT OF E 210 FT OF E 3/4 OF SW 1/4 2.0 ACRES SEC 32 T10N R4E
Legal Range	04E
Legal Township	10N
Legal Section	32
Jurisdiction	SAGINAW MI
Township / Civil Division	ALBEE
Census Block Group	3
Census Block	3012
Census Tract	12900

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	2 Individual Names on Record
Mailing Address	5540 GARY RD, CHESANING, MI 48616-8429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Apr 3, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 1988 · Amount on Record
Deed Sale	Nov 29, 1988 · Amount on Record
Deed Book / Page	1737 / 119
Last Transfer Date	Mar 26, 2024
Transfer Doc	0000005930
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	5540 GARY RD, CHESANING, MI 48616-8429
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5540 GARY RD, CHESANING, MI 48616-8429

Mortgage

Document Number	0000001941
Date	Jan 31, 2024
Instrument	2024001941

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	1 CITIZENS PLZ, PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2044

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Apr 3, 2024
Property Address	5540 GARY RD, CHESANING, MI 48616-8429
Document Number	0000005930
Instrument Date	Mar 26, 2024
Instrument	2024005930
Transaction Type	Transfer
Record Updated	Apr 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5440 GARY RD, CHESANING, MI 48616-8429

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5440 GARY RD, CHESANING, MI 48616-8429

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Albee Township
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$111,300 (+15.7%)	$222,600 (+15.7%)
2025	$2,325.00 (+12.75%) Homeowner's exemption
2023		$96,200	$192,400
2022	$2,062.00

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	2 in force

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 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	40 / 3

Cell Coverage

4G LTE only, no 5G reported

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