645 Rustic Dr, Saginaw, MI 48604 Property Records

Saginaw County property record for 645 Rustic Dr, Saginaw, MI 48604 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 1958
Square Footage	1,218 sqft Living Area
Lot Size	6,621 sqft (0.152 acres)
Occupancy	Owner Occupied
Last Sale	$79,000 (2020)
Tax Bill	$464.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`11-12-4-12-3498-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	5 Rooms
Building Area	1,218 sqft Living Area
1st Floor	1,218 sqft 1st Floor
Basement Area	1,218 sqft Basement
Unfinished Basement	1,218 sqft Unfinished
Stories	1 Stories

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Raised Ranch Style
Exterior Material	Brick Exterior
Roof Construction	Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	6,621 sqft (0.152 acres)
Depth X Width	120 ft x 55 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Area	418 sqft Garage

Exterior Amenities

Deck Area	Deck Area
Patio Area	308 sqft Patio
Porch	Covered Porch
Porch Area	80 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	645 RUSTIC DR
City	SAGINAW
State	MI
Zip	48604-2132
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 398 SUPERVISORS PLAT OF WINTERS SECOND ADDITION SEC 12 T12N R4E
Legal Range	04E
Legal Township	12N
Legal Section	12
Legal Subdivision	SUPERVISORS PLAT OF WINTERS SECOND ADD
Legal Lot Number	398
Legal Unit	398
Jurisdiction	SAGINAW MI
Minor Civil Division	CARROLLTON
Census Blockgroup	4
Census Block	4018
Census Tract	10700

Owner

Source: Saginaw County records · APN 11-12-4-12-3498-000

Assessment roll updated September 9, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	645 RUSTIC DR, SAGINAW, MI 48604-2132
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 05, 2020 · Amount on Record
Deed Sale	Jun 05, 2020 · Amount on Record
Prior Sale	Aug 31, 2001 · Amount on Record
Deed Doc Number	202014689
Record Refreshed	Sep 20, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 05, 2020
Property Address	645 RUSTIC DR, SAGINAW, MI 48604-2132
Document Number	0000014689
Instrument Date	May 29, 2020
Instrument	14689
Transaction Type	Transfer
Record Updated	Jul 17, 2020
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$79.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 RUSTIC DR SAGINAW MI 486042132, SAGINAW, MI 48604-2132

Mortgage

Document Number	14690
Date	Jun 05, 2020
Instrument	14690

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 04, 2050

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Carrollton Township
Unified School District	Carrollton School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$64,200 (+41.1%)	$128,400 (+41.1%)
2025	$464.00 (-77.35%) Homeowner's exemption
2023		$45,500	$91,000
2022	$2,049.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), updated March 29, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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