6864 Ditch Rd, Chesaning, MI 48616 Property Records

Saginaw County property record for 6864 Ditch Rd, Chesaning, MI 48616

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,286 sqft · built 2000
Lot Size	2.64 acres (114,998 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Sep 2022)
Tax Bill	$5,586 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-09-4-30-3002-004`

Property Details

APN / Parcel Number

Primary APN	`20-09-4-30-3002-004`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,286 sqft Living Area
1st Floor Area	2,286 sqft
Basement Area	2,286 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	114,998 sqft (2.64 acres)
Garage Area	1,696 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	408 sqft
Deck Area	Deck Area
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6864 DITCH RD
City	CHESANING
State	MI
Zip	48616-9716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT A PT 1000.52 FT S85DEG E FROM SW CORN OF SEC 30 TH N01DEG E 606.91 FT TH S86DEG E 188.62 FT TH S01DEG W 611.80 FT TH
Legal Range	04E
Legal Township	09N
Legal Section	30
Jurisdiction	SAGINAW MI
Township / Civil Division	MAPLE GROVE
Census Block Group	4
Census Block	4026
Census Tract	12900

Owner

6864 Ditch Rd is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	6864 DITCH RD, CHESANING, MI 48616-9716
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
Mar 20, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Sep 7, 2022	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Dec 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2022 · Amount on File
Deed Sale	Sep 7, 2022 · Amount on File
Prior Sale	Mar 16, 2000 · Amount on File
Deed Document Number	202224018
Prior Transfer Date	Aug 17, 2022
Prior Transfer Doc	0000024018
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	6864 DITCH RD, CHESANING, MI 48616-9716
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6864 DITCH RD, CHESANING, MI 48616-9716

Mortgage

Document Number	0000005754
Date	Mar 20, 2026
Instrument	2026005754

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	1 CITIZENS PLZ, PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 12, 2051

Interest

Change Frequency	Monthly

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 7, 2022
Property Address	6864 DITCH RD, CHESANING, MI 48616-9716
Document Number	0000024018
Instrument Date	Aug 17, 2022
Instrument	2022024018
Transaction Type	Transfer
Record Updated	Sep 26, 2022
Title Company	QUICK SILVA TITLE AND ESCROW, QUICKSILVA TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,250.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6864 DITCH RD, 6864, CHESANING, MI 48616-9716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6864 DITCH RD, CHESANING, MI 48616-9716

Mortgage

Document Number	0000024019
Date	Sep 7, 2022
Instrument	2022024019

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	6864 DITCH RD, CHESANING, MI 48616-9716
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031206
Date	Dec 26, 2019
Instrument	2019031206

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	289 Months
Due	Jan 1, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 6864 Ditch Rd was $5,586 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	Maple Grove Township
Unified School District	New Lothrop Area Public School (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$199,400 (+2.31%)	$398,800 (+2.31%)
2025	$5,586.00 Homeowner's exemption	$194,900	$389,800
2023		$166,600	$333,200
2022	$4,666.00

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

Flood

FEMA maps place 6864 Ditch Rd in Zone X, an area of minimal flood risk.

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

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 6864 Ditch 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	80 / 10
AT&T Fixed Wireless	25 / 3

May also be available: T-Mobile.

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