Saginaw County property record for 6540 Cole Rd, Saginaw, MI 48601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,312 sqft · built 1960 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,431 (2025) |
| Deeds & Mortgages | Jul 2022 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 25-11-4-25-3038-000 |
| Primary APN | 25-11-4-25-3038-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,312 sqft Living Area |
| 1st Floor Area | 1,312 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 70 sqft |
| Deck Area | Deck Area |
| Patio Area | 256 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 6540 COLE RD |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48601-9718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 104 FT OF N 208 FT OF E 208 FT OF NE 1/4 OF SW 1/4 0.50 ACRE SEC 25 T11N R4E |
| Legal Range | 04E |
| Legal Township | 11N |
| Legal Section | 25 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | SPAULDING |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 11800 |
6540 Cole Rd is owned and occupied by two individuals who acquired it in December 2017.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6540 COLE RD, SAGINAW, MI 48601-9718 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 27, 2017 |
| Transfer Doc | 0000018827 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jul 1, 2022 |
| Property Address | 6540 COLE RD, SAGINAW, MI 48601-9718 |
| Document Number | 0000018827 |
| Instrument Date | Dec 27, 2017 |
| Instrument | 2022018827 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6540 COLE RD, SAGINAW, MI 48601-9718 |
The 2025 property tax bill for 6540 Cole Rd was $1,431 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Spaulding Township |
| Unified School District | Bridgeport-Spaulding Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $57,400 | $114,800 | |
| 2025 | $1,431.00 Homeowner's exemption | ||
| 2023 | $46,700 | $93,400 | |
| 2022 | $1,391.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6540 Cole Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 42 policies |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 24 (1980–2026) |
| Claims Outside the SFHA | 7 of 24 |
| Most Recent Claim | Apr 2026 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
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 risk around 6540 Cole Rd 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPAULDING TOWNSHIP serves 2,153 people · EPA ID MI0006210 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures