6684 N River Rd, Freeland, MI 48623 Property Records

Saginaw County property record for 6684 N River Rd, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,899 sqft · built 2017
Lot Size	3.86 acres (168,142 sqft)
Owner	Individual Name on File
Last Sale	$580,000 (Jun 2021)
Tax Bill	$8,029 (2025)
Deeds & Mortgages	Aug 2019 Refinance Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`29-13-3-28-2006-000`

Property Details

APN / Parcel Number

Primary APN	`29-13-3-28-2006-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,899 sqft Living Area
1st Floor Area	1,899 sqft
Basement Area	1,899 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	168,142 sqft (3.86 acres)
Garage Area	1,048 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6684 N RIVER RD
City	FREELAND
State	MI
Zip	48623-9268
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1-AGRI
Legal Description	COM AT INTERSECTION OF N SEC LINE & C/L OF N RIVER RD TH S25DEG E 2189.04 FT TO POB TH N77DEG E 495.36 FT TO WLY BANK OF
Legal Range	03E
Legal Township	13N
Legal Section	28
Jurisdiction	SAGINAW MI
Township / Civil Division	TITTABAWASSEE
Census Block Group	1
Census Block	1046
Census Tract	10102

Owner

6684 N River Rd is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	6684 N RIVER RD, FREELAND, MI 48623-9268
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 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HSBC BANK USA
Jun 24, 2021	Warranty Deed, Transfer · Conventional Mortgage ADVISORS CAPITAL INC
Dec 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2021 · Amount on File
Deed Sale	Jun 24, 2021 · Amount on File
Prior Sale	Nov 29, 2016 · Amount on File
Deed Document Number	202122282
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	6684 N RIVER RD, FREELAND, MI 48623-9268
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021758
Date	Aug 29, 2019
Instrument	2019021758

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 24, 2021
Property Address	6684 N RIVER RD, FREELAND, MI 48623-9268
Document Number	0000022282
Instrument Date	Jun 18, 2021
Instrument	2021022282
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3389 HACK RD, 3389, SAGINAW, MI 48601-9244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7807 QUIDA DR, WEST PALM BEACH, FL 33411-5811

Mortgage

Document Number	0000022283
Date	Jun 24, 2021
Instrument	2021022283

Lender

Name	ADVISORS CAPITAL INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Dec 21, 2017
Property Address	6684 N RIVER RD, FREELAND, MI 48623-9268
Document Number	0000033785
Instrument Date	Jan 16, 2017
Instrument	33785
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 FRONT ST BOYNE CITY MI 497121708, BOYNE CITY, MI 49712-1708

Tax Assessment & Valuation

The 2025 property tax bill for 6684 N River Rd was $8,029 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		$292,400	$584,800
2025	$8,029.00 Homeowner's exemption
2023		$236,100	$472,200
2022	$6,391.00

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 6684 N River Rd in Zone A, 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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 6684 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 16 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

May also be available: LakeNet.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures