596 S Fenmore Rd, Merrill, MI 48637 Property Records

Saginaw County property record for 596 S Fenmore Rd, Merrill, MI 48637

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,116 sqft · built 1999
Lot Size	0.96 acres (41,818 sqft)
Owner	2 Individual Names on File
Last Sale	$208,000 (Aug 2019)
Tax Bill	$4,056 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-12-1-28-4005-002`

Property Details

APN / Parcel Number

Primary APN	`17-12-1-28-4005-002`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,116 sqft Living Area
1st Floor Area	1,851 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,818 sqft (0.96 acres)
Lot Dimensions	302 ft deep x 160 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	150 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	596 S FENMORE RD
City	MERRILL
State	MI
Zip	48637-8740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT A PT 1008 FT N FROM SE CORN OF SEC 28 TH S86DEG W 335.94 FT TH N 118.83 FT TH N79DEG E 340.71 FT TH S 161 FT TO POB
Legal Range	01E
Legal Township	12N
Legal Section	28
Jurisdiction	SAGINAW MI
Township / Civil Division	JONESFIELD
Census Block Group	1
Census Block	1038
Census Tract	12200

Owner

596 S Fenmore Rd is owned and occupied by two individuals who bought it in August 2019.

Source: Saginaw County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	596 S FENMORE RD, MERRILL, MI 48637-8740
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Line of Credit ADVANTAGE FEDERAL CREDIT UNION
Aug 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SAGINAW MEDICAL FEDERAL CREDIT UNION
Mar 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage HEALTH ADVANTAGE FEDERAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2019 · Amount on File
Deed Sale	Aug 23, 2019 · Amount on File
Prior Sale	Oct 30, 1996 · Amount on File
Deed Document Number	2019202019021272
Prior Transfer Date	Mar 24, 2003
Prior Transfer Doc	0007151592
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	Jul 14, 2026
Property Address	596 S FENMORE RD, MERRILL, MI 48637-8740
Document Number	0000018404
Instrument Date	May 27, 2026
Instrument	202618404
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	596 S FENMORE RD, MERRILL, MI 48637-8740
Investor	Possibly a Property Investor

Mortgage

Document Number	0000018404,
Date	Jul 14, 2026
Instrument	202618404

Lender

Name	ADVANTAGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	596 S FENMORE RD, MERRILL, MI 48637-8740
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021273
Date	Aug 23, 2019
Instrument	2019021273

Lender

Name	SAGINAW MEDICAL FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2048

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	596 S FENMORE RD, MERRILL, MI 48637-8740
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	596 S FENMORE RD, MERRILL, MI 48637-8740

Mortgage

Document Number	0000007472
Date	Mar 11, 2021
Instrument	2021007472

Lender

Name	HEALTH ADVANTAGE FEDERAL CU
Type	Credit Union
Address	SAGINAW, MI 48608

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 596 S Fenmore Rd was $4,056 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Jonesfield Township
Unified School District	Merrill Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$159,400	$318,800
2025	$4,056.00 Homeowner's exemption
2023		$106,200	$212,400
2022	$3,664.00

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

Flood

FEMA maps place 596 S Fenmore Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 29, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 596 S Fenmore Rd 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 95% of the US · lower than 89% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CMS Internet, Spectrum.

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