5970 Gary Rd, Chesaning, MI 48616 Property Records

Saginaw County property record for 5970 Gary Rd, Chesaning, MI 48616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,248 sqft · built 1971
Lot Size	0.864 acres (37,636 sqft)
Owner	2 Individual Names on Record
Last Sale	$73,000 (Mar 1999)
Tax Bill	$1,725 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-10-4-32-3002-000`

Property Details

APN / Parcel Number

Primary APN	`04-10-4-32-3002-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,636 sqft (0.864 acres)
Lot Dimensions	209 ft deep x 180 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5970 GARY RD
City	CHESANING
State	MI
Zip	48616-9468
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1 PRIMAR
Legal Description	E 180 FT OF S 242 FT OF W 1/2 OF W 1/2 OF SW 1/4 -- 1 ACRE 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	5970 GARY RD, CHESANING, MI 48616-9468
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage ELGA CREDIT UNION
Jul 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED FINANCIAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 1999 · Amount on Record
Deed Sale	Mar 16, 1999 · Amount on Record
Prior Sale	Mar 1, 1999 · Amount on Record
Deed Book / Page	2110 / 2258
Last Transfer Date	Jun 28, 2021
Transfer Doc	2021023404
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	Jul 27, 2026
Property Address	5970 GARY RD, CHESANING, MI 48616-9468
Document Number	0000019281
Instrument Date	Jul 16, 2026
Instrument	202619281
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5970 GARY RD, CHESANING, MI 48616-9468

Mortgage

Document Number	0000019281,
Date	Jul 27, 2026
Instrument	202619281

Lender

Name	ELGA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 21, 2036

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Jul 7, 2021
Property Address	5970 GARY RD, CHESANING, MI 48616-9468
Document Number	2021023404
Instrument Date	Jun 28, 2021
Instrument	2021023404
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5970 GARY RD, CHESANING, MI 48616-9468

Mortgage

Document Number	2021023405
Date	Jul 7, 2021
Instrument	2021023405

Lender

Name	UNITED FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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		$82,000 (+13.1%)	$164,000 (+13.1%)
2025	$1,725.00 (+12.6%) Homeowner's exemption	$72,500 (+7.09%)	$145,000 (+7.09%)
2023		$67,700	$135,400
2022	$1,532.00

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	80 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

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