5650 Fergus Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 5650 Fergus Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,688 sqft · built 2002
Lot Size	0.853 acres (37,157 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,939 (2025)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-10-4-20-2001-001`

Property Details

APN / Parcel Number

Primary APN	`04-10-4-20-2001-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,688 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,157 sqft (0.853 acres)
Lot Dimensions	177 ft deep x 210 ft wide
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Porch
Porch Area	560 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5650 FERGUS RD
City	SAINT CHARLES
State	MI
Zip	48655-9694
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1 PRIMAR
Legal Description	W 210 FT OF S 210 FT OF E 1/2 OF NW 1/4 1.01 ACRES SEC 20 T10N R4E
Legal Range	04E
Legal Township	10N
Legal Section	20
Jurisdiction	SAGINAW MI
Township / Civil Division	ALBEE
Census Block Group	1
Census Block	1042
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	5650 FERGUS RD, SAINT CHARLES, MI 48655-9694
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 1, 2018
Transfer Doc	0000014565
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	5650 FERGUS RD, SAINT CHARLES, MI 48655-9694
Document Number	0000003844
Instrument Date	Feb 12, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5650 FERGUS RD ST CHARLES MI 486559694, ST CHARLES, MI 48655-9694

Mortgage

Document Number	0000003844
Date	Feb 19, 2020
Instrument	3844

Lender

Name	MERCANTILE BK/MI
Type	Bank
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 18, 2035

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		$195,200 (+26.75%)	$390,400 (+26.75%)
2025	$3,939.00 (+13.12%) Homeowner's exemption
2023		$154,000	$308,000
2022	$3,482.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	3 (1986–2000)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 2000 · rainfall accumulation

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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, Brightspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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