704 E Belle Ave, Saint Charles, MI 48655 Property Records

Saginaw County property record for 704 E Belle Ave, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,481 sqft
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Oct 2021)
Tax Bill	$5,469 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`24-10-3-05-0247-000`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-05-0247-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,481 sqft Living Area
1st Floor Area	1,393 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	132 ft deep x 132 ft wide
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	20 sqft
Deck Area	Deck Area
Patio Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	704 E BELLE AVE
City	SAINT CHARLES
State	MI
Zip	48655-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 & 4 BLK 54 VILLAGE OF ST CHARLES SEC 05 T10N R3E
Legal Range	03E
Legal Township	10N
Legal Section	05
Legal Subdivision	VILLAGE OF ST CHARLES
Legal Block	54
Legal Lot Number	1,4
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3031
Census Tract	12600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	704 E BELLE AVE, SAINT CHARLES, MI 48655-1508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2021 · Amount on Record
Deed Sale	Oct 25, 2021 · Amount on Record
Prior Sale	Jun 5, 1992 · Amount on Record
Deed Document Number	202134163
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 25, 2021
Property Address	704 E BELLE AVE, SAINT CHARLES, MI 48655-1508
Document Number	2021034163
Map Reference	LB 38 PG 131
Instrument Date	Oct 18, 2021
Instrument	2021034163
Transaction Type	Transfer
Record Updated	Nov 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	432 W BELLE AVE, 432, SAINT CHARLES, MI 48655-1610

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	704 E BELLE AVE, SAINT CHARLES, MI 48655-1508

Mortgage

Document Number	2021034164
Date	Oct 25, 2021
Instrument	2021034164

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	St. Charles Township
Municipality	St. Charles Village
Unified School District	St. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$143,700 (+35.06%)	$287,400 (+35.06%)
2025	$5,469.00 (+94.14%) Homeowner's exemption
2023		$106,400	$212,800
2022	$2,817.00

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

Flood

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	593.3 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	12 (1986–2020)
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 2 claims Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 7 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VILLAGE OF ST. CHARLES serves 2,054 people · EPA ID MI0006260
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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