Saginaw County property record for 649 Leddy Rd, Saginaw, MI 48609
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,100 sqft · built 2010 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $95,000 (Nov 1988) |
| Tax Bill | $7,238 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Mar 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-12-3-27-4009-000 |
| Primary APN | 28-12-3-27-4009-000 |
|---|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,100 sqft Living Area |
| 1st Floor Area | 2,100 sqft |
| Basement Area | 2,100 sqft |
| Finished Basement | 2,100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 102 sqft |
| Deck Area | Deck Area |
| Patio Area | 543 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Storm Sewer |
| Street Address | 649 LEDDY RD |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48609-9425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-2 |
| Legal Description | S 132 FT OF N 396 FT OF W 1/2 OF SW 1/4 OF SE 1/4 2 ACRES SEC 27 T12N R3E |
| Legal Range | 03E |
| Legal Township | 12N |
| Legal Section | 27 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | THOMAS |
| Census Block Group | 3 |
| Census Block | 3040 |
| Census Tract | 12003 |
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 649 LEDDY RD, SAGINAW, MI 48609-9425 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 8, 2023 | Deed of Trust, Mortgage · Conventional Mortgage FIRST AREA CU |
| Mar 24, 2023 | Intrafamily Transfer, Transfer |
| Oct 30, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Jan 2, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 25, 1988 · Amount on Record |
| Deed Sale | Nov 25, 1988 · Amount on Record |
| Deed Book / Page | 1736 / 2193 |
| Last Transfer Date | Mar 17, 2023 |
| Transfer Doc | 0000005487 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 649 LEDDY RD, SAGINAW, MI 48609-9425 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 649 LEDDY RD, SAGINAW, MI 48609-9425 |
| Document Number | 0000004238 |
|---|---|
| Date | Mar 8, 2023 |
| Instrument | 2023004238 |
| Name | FIRST AREA CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48609 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Mar 24, 2023 |
| Property Address | 649 LEDDY RD, SAGINAW, MI 48609-9425 |
| Document Number | 0000005487 |
| Instrument Date | Feb 6, 2023 |
| Instrument | 2023005487 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 649 LEDDY RD, SAGINAW, MI 48609-9425 |
| Name | Verified Name |
|---|---|
| Address | 7474 KOCHVILLE RD, FREELAND, MI 48623-8613 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Oct 30, 2018 |
| Property Address | 649 LEDDY RD, SAGINAW, MI 48609-9425 |
| Document Number | 0000027543 |
| Instrument Date | Oct 25, 2018 |
| Instrument | 27543 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 649 LEDDY RD SAGINAW MI 486099425, SAGINAW, MI 48609-9425 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 649 LEDDY RD, SAGINAW, MI 48609-9425 |
| Document Number | 0000000685 |
| Instrument Date | Jan 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2018 |
| Name | Verified Name |
|---|---|
| Address | 649 LEDDY RD SAGINAW MI 486099425, SAGINAW, MI 48609-9425 |
| Document Number | 0000000685 |
|---|---|
| Date | Jan 9, 2018 |
| Instrument | 685 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 8, 2048 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Thomas Township |
| Unified School District | Swan Valley School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $232,600 (+28.37%) | $465,200 (+28.37%) | |
| 2025 | $7,238.00 (+16.03%) Homeowner's exemption | ||
| 2023 | $181,200 | $362,400 | |
| 2022 | $6,238.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 1 (1986) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 1986 · Severe Storms & Flooding |
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.
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.
Source: FCC Broadband Data Collection, based on 26 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 |
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