6460 N River Rd, Freeland, MI 48623 Property Records

Saginaw County property record for 6460 N River Rd, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,144 sqft · built 1965
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$249,900 (Feb 2020)
Tax Bill	$5,566 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Feb 2020 Sale & Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-3-28-4010-000`

Property Details

APN / Parcel Number

Primary APN	`29-13-3-28-4010-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,144 sqft Living Area
1st Floor Area	2,060 sqft
Basement Area	2,060 sqft
Finished Basement	2,060 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6460 N RIVER RD
City	FREELAND
State	MI
Zip	48623-9202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1-AGRI
Legal Description	PART OF GOVT LOT 3 COM ON C/L OF HWY 323.5 FT NW LY ALONG SAME FROM E LINE OF W 38 ACRES OF GOVT LOT 3 TH NW LY ON SD LINE
Legal Range	03E
Legal Township	13N
Legal Section	28
Legal Lot Number	3
Legal Unit	3
Jurisdiction	SAGINAW MI
Township / Civil Division	TITTABAWASSEE
Census Block Group	1
Census Block	1046
Census Tract	10102

Owner

6460 N River Rd is owned and occupied by an individual who bought it in February 2020.

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

Owner of Record	Individual Name on File
Mailing Address	6460 N RIVER RD, FREELAND, MI 48623-9202
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
Apr 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage ALPENA ALCONA AREA CU
Feb 18, 2020	Warranty Deed, Transfer · Stand-Alone Refinance ROSS MORTGAGE COMPANY INC
Aug 4, 2017	Warranty Deed, Transfer · FHA Mortgage CHURCHILL MTG
Jul 19, 2017	Deed of Trust, Mortgage · Conventional with PMI CHURCHILL MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2020 · Amount on File
Deed Sale	Feb 18, 2020 · Amount on File
Prior Sale	Aug 4, 2017 · Amount on File
Deed Document Number	20203778
Prior Transfer Date	Jul 18, 2013
Prior Transfer Doc	0000024865
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	6460 N RIVER RD, FREELAND, MI 48623-9202
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012868
Date	Apr 25, 2022
Instrument	2022012868

Lender

Name	ALPENA ALCONA AREA CU
Type	Credit Union
Address	ALPENA, MI 49707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2037

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Feb 18, 2020
Property Address	6460 N RIVER RD, FREELAND, MI 48623-9202
Document Number	0000003778
Instrument Date	Jan 10, 2020
Instrument	2020003778
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2392 N KEARNEY DR, SAGINAW, MI 48603-3415

Mortgage

Document Number	0000003779
Date	Feb 18, 2020
Instrument	2020003779

Lender

Name	ROSS MORTGAGE COMPANY INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 4, 2017
Property Address	6460 N RIVER RD, FREELAND, MI 48623-9202
Document Number	0000022576
Instrument Date	Jul 19, 2017
Instrument	22576
Transaction Type	Transfer
Record Updated	Aug 11, 2017
Title Company	HOMELAND TITLE, HOMELAND TITLE SERVICE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9025 FAUSSETT RD FENTON MI 484309398, FENTON, MI 48430-9398

Mortgage

Document Number	22577
Date	Aug 4, 2017
Instrument	22577

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2047

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	6460 N RIVER RD, FREELAND, MI 48623-9202
Document Number	0000019290
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 1, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9025 FAUSSETT RD FENTON MI 484309398, FENTON, MI 48430-9398

Mortgage

Document Number	0000019290
Date	Jul 12, 2018
Instrument	19290

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 6460 N River Rd was $5,566 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	Tittabawassee Township
Unified School District	Freeland Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$208,100	$416,200
2025	$5,566.00 Homeowner's exemption
2023		$174,000	$348,000
2022	$4,439.00

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

Flood

FEMA maps place 6460 N River Rd in Zone X, an area of minimal 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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2017–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 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 6460 N River 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 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 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	TITTABAWASSEE TOWNSHIP serves 9,227 people · EPA ID MI0002470
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2025
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2018
Treatment and Procedure	Lead service line inventory Oct 2024
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 23 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

May also be available: LakeNet.

Cell Coverage

5G (outdoors only) and 4G LTE

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