Saginaw County property record for 623 Florence St, Saint Charles, MI 48655
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 825 sqft · built 1948 |
| Lot Size | 0.119 acres (5,184 sqft) |
| Owner | Individual Name on File |
| Last Sale | $2,000 (May 2024) |
| Tax Bill | $195 (2025) |
| Deeds & Mortgages | Sep 2023 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-10-3-08-0814-900 |
| Primary APN | 24-10-3-08-0814-900 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 825 sqft Living Area |
| 1st Floor Area | 825 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Block |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,184 sqft (0.119 acres) |
| Lot Dimensions | 104 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 60 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 623 FLORENCE ST |
|---|---|
| City | SAINT CHARLES |
| State | MI |
| Zip | 48655-1849 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 10 BLK 2 E V PARSONS ADDN VILLAGE OF ST CHARLES SEC 08 T10N R3E |
| Legal Range | 03E |
| Legal Township | 10N |
| Legal Section | 08 |
| Legal Subdivision | PARSONS ADDN |
| Legal Block | 2 |
| Legal Lot Number | 10 |
| Legal Unit | 10 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 12600 |
623 Florence St is owned by an individual who bought it in May 2024.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 117 FLINT ST, SAINT CHARLES, MI 48655-1743 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 29, 2024 · Amount on File |
| Deed Sale | May 29, 2024 · Amount on File |
| Prior Sale | Sep 29, 2023 · Amount on File |
| Deed Document Number | 202413128 |
| Prior Transfer Date | Sep 26, 2023 |
| Prior Transfer Doc | 0000021562 |
| Record Updated | Oct 29, 2026 |
| Document Type | Public Action |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Sep 29, 2023 |
| Property Address | 623 FLORENCE ST, SAINT CHARLES, MI 48655-1849 |
| Document Number | 0000021562 |
| Instrument Date | Sep 26, 2023 |
| Instrument | 2023021562 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 17, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Tax Sale |
| Name | Verified Name |
|---|---|
| Address | 111 S MICHIGAN AVE, SAGINAW, MI 48602-2019 |
| Name | Verified Name |
|---|---|
| Address | 10273 BENSON ST APT L, L, OVERLAND PARK, KS 66212-4293 |
The 2025 property tax bill for 623 Florence St was $195.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | St. Charles Township |
| Municipality | St. Charles Village |
| Unified School District | St. Charles Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,700 | $5,400 | |
| 2025 | $195.00 | ||
| 2023 | $4,200 (+2.44%) | $8,400 (+2.44%) | |
| 2022 | $96.00 (+14.29%) | $4,100 | $8,200 |
| 2021 | $84.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 623 Florence St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 6 (1986–2013) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Apr 2013 · Flooding |
| Claims by Event |
|
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 risk around 623 Florence St is low, with 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VILLAGE OF ST. CHARLES serves 2,054 people · EPA ID MI0006260 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2024 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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