652 Willow Ln, Frankenmuth, MI 48734 Property Records

Saginaw County property record for 652 Willow Ln, Frankenmuth, MI 48734

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,980 sqft · built 1988
Lot Size	0.294 acres (12,807 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Aug 2026)
Tax Bill	$4,712 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2025 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-6-27-0860-000`

Property Details

APN / Parcel Number

Primary APN	`03-11-6-27-0860-000`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,980 sqft Living Area
1st Floor Area	1,980 sqft
Basement Area	1,512 sqft
Unfinished Basement	1,512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,807 sqft (0.294 acres)
Lot Dimensions	135 ft deep x 95 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	120 sqft
Deck Area	Deck Area
Patio Area	304 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	652 WILLOW LN
City	FRANKENMUTH
State	MI
Zip	48734-1442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-2 SI
Legal Description	LOT 88 HARLAN ACRES NO 3 CITY OF FRANKENMUTH SEC 27 T11N R6E
Legal Range	06E
Legal Township	11N
Legal Section	27
Legal Subdivision	HARLAN ACRES 3
Legal Lot Number	88
Legal Unit	88
Jurisdiction	SAGINAW MI
Township / Civil Division	FRANKENMUTH
Census Block Group	1
Census Block	1024
Census Tract	11301

Owner

652 Willow Ln is owned and occupied by an individual who bought it in August 2026.

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

Owner of Record	Individual Name on File
Mailing Address	925 FLINT ST, FRANKENMUTH, MI 48734-1801
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
Aug 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage FRANKENMUTH CREDIT UNION
Dec 3, 2025	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Jan 6, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2026 · Amount on File
Deed Sale	Aug 11, 2026 · Amount on File
Prior Sale	Sep 5, 1991 · Amount on File
Deed Document Number	202620466
Prior Transfer Date	Oct 23, 2019
Prior Transfer Doc	2021000699
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	Aug 10, 2026
Property Address	652 WILLOW LN, FRANKENMUTH, MI 48734-1442
Document Number	0000020254
Instrument Date	Jul 14, 2026
Instrument	202620254
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	925 FLINT ST, FRANKENMUTH, MI 48734-1801

Mortgage

Document Number	0000020254,
Date	Aug 10, 2026
Instrument	202620254

Lender

Name	FRANKENMUTH CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	652 WILLOW LN, FRANKENMUTH, MI 48734-1442
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 WILLOW LN, FRANKENMUTH, MI 48734-1442

Mortgage

Document Number	0000028058
Date	Dec 3, 2025
Instrument	2025028058

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Mortgage Company
Address	61 S PARAMUS RD STE 500, PARAMUS, NJ 07652

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	690 Months
Due	Jun 11, 2083

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 6, 2021
Property Address	652 WILLOW LN, FRANKENMUTH, MI 48734-1442
Document Number	0000000699
Instrument Date	Oct 23, 2019
Instrument	699
Transaction Type	Transfer
Record Updated	Jan 22, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Lifetime Benefit
Address	652 WILLOW LN FRANKENMUTH MI 487341442, FRANKENMUTH, MI 48734-1442

Tax Assessment & Valuation

The 2025 property tax bill for 652 Willow Ln was $4,712 with a homeowner's exemption.

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
Municipality	Frankenmuth City
Unified School District	Frankenmuth School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$185,400 (+6.67%)	$370,800 (+6.67%)
2025	$4,712.00 Homeowner's exemption	$173,800	$347,600
2023		$159,200	$318,400
2022	$3,890.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 652 Willow Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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	2 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Apr 2014 · river or lake 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.

Wildfire

The area around 652 Willow Ln has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	CITY OF FRANKENMUTH serves 4,944 people · EPA ID MI0002420
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Aug 2024
Lead	3 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 224 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Air Advantage.

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