629 Cherry St, Saint Charles, MI 48655 Property Records

Saginaw County property record for 629 Cherry St, Saint Charles, MI 48655

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 1 ba · 1,246 sqft · built 1976
Lot Size	0.223 acres (9,714 sqft)
Owner	Individual Name on File
Last Sale	$28,046 (Feb 2024)
Tax Bill	$3,049 (2025)
Deeds & Mortgages	Feb 2024 Sale
Flood Zone	Zone X (moderate risk)
APN	`24-10-3-05-0334-701`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-05-0334-701`
Alternative APN	`24103050334A01`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,246 sqft Living Area
1st Floor Area	1,246 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,714 sqft (0.223 acres)
Lot Dimensions	99 ft deep x 98 ft wide
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	629 CHERRY ST
City	SAINT CHARLES
State	MI
Zip	48655-1205
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	S 1/2 OF LOT 7 & S 1/2 OF E 1/2 OF LOT 8 BLK 89 VILLAGE OF ST CHARLES SEC 5 T10N R3E
Legal Range	03E
Legal Township	10N
Legal Section	05
Legal Subdivision	VILLAGE OF ST CHARLES
Legal Block	89
Legal Lot Number	7-8
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1007
Census Tract	12600

Owner

629 Cherry St, a residential property, is owned and occupied by an individual who bought it in February 2024.

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

Owner of Record	Individual Name on File
Mailing Address	629 CHERRY ST, SAINT CHARLES, MI 48655-1205
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2024 · Amount on File
Deed Sale	Feb 21, 2024 · Amount on File
Prior Sale	Oct 2, 2014 · Amount on File
Deed Document Number	20243135
Record Updated	Oct 29, 2026

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Feb 21, 2024
Property Address	629 CHERRY ST, SAINT CHARLES, MI 48655-1205
Document Number	0000003135
Instrument Date	Feb 21, 2024
Instrument	2024003135
Transaction Type	Transfer
Record Updated	Mar 19, 2024

Transaction

Amount	Amount on Record
Tax	$21,375.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12955 LAKEFIELD RD, SAINT CHARLES, MI 48655-8572

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	629 CHERRY ST, SAINT CHARLES, MI 48655-1205

Tax Assessment & Valuation

The 2025 property tax bill for 629 Cherry St was $3,049 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	St. Charles Township
Municipality	St. Charles Village
Unified School District	St. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$45,900	$91,800
2025	$3,049.00 Homeowner's exemption
2023		$38,100	$76,200
2022	$993.00

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

Flood

FEMA maps place 629 Cherry St in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	7 (1986–2026)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Apr 2026
Claims by Event	Severe Storms & Flooding, Sep 1986 · 2 claims

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

Wildfire risk around 629 Cherry 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 86 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