Saginaw County property record for 7044 Ginger Ln, Saginaw, MI 48609
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 960 sqft · built 1977 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $44,500 (Jul 1986) |
| Tax Bill | $452 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit May 2023 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 28-12-3-25-4021-602 |
| Primary APN | 28-12-3-25-4021-602 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 104 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 7044 GINGER LN |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48609-6807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 2 GINGER SUB-DIVISION PART OF SE 1/4 SEC 25 T12N R3E |
| Legal Range | 03E |
| Legal Township | 12N |
| Legal Section | 25 |
| Legal Subdivision | GINGER SUB |
| Legal Lot Number | 2 |
| Legal Unit | 2 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | THOMAS |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 12001 |
Source: Saginaw County records · APN 28-12-3-25-4021-602
Assessment roll updated September 9, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7044 GINGER LN, SAGINAW, MI 48609-6807 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 16, 2026 | Deed of Trust, Mortgage · Line of Credit FINANCIAL PLUS CU |
| May 08, 2023 | Intrafamily Transfer, Transfer · Line of Credit FINANCIAL PLUS CU |
| Mar 15, 2023 | Intrafamily Transfer, Transfer MID-STATE TITLE SERVICES INC, MID STATE TITLE SERVICES INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 21, 1986 · Amount on Record |
| Deed Sale | Jul 21, 1986 · Amount on Record |
| Deed Book / Page | 1680 / 1090 |
| Last Transfer Date | Mar 15, 2023 |
| Transfer Doc | 0000011474 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 7044 GINGER LN, SAGINAW, MI 48609-6807 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | TRANSNATION TITLE AGENCY MQT, TRANSNATION TTL AGCY MASON B |
| Name | Verified Name |
|---|---|
| Address | 7044 GINGER LN, SAGINAW, MI 48609-6807 |
| Document Number | 0000005331 |
|---|---|
| Date | Mar 16, 2026 |
| Instrument | 2026005331 |
| Name | FINANCIAL PLUS CU |
|---|---|
| Type | Credit Union |
| Address | G3381 VAN SLYKE RD, FLINT, MI 48507 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 28, 2046 |
| Change Frequency | Monthly |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 08, 2023 |
| Property Address | 7044 GINGER LN, SAGINAW, MI 48609-6807 |
| Document Number | 0000011474 |
| Map Reference | LB 20 PG 39&40 |
| Instrument Date | Mar 15, 2023 |
| Instrument | 2023011474 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2023 |
| Title Company | MID-STATE TITLE SERVICES INC, MID STATE TITLE SERVICES INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7044 GINGER LN, SAGINAW, MI 48609-6807 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7044 GINGER LN, SAGINAW, MI 48609-6807 |
| Document Number | 0000011475 |
|---|---|
| Date | May 08, 2023 |
| Instrument | 2023011475 |
| Name | FINANCIAL PLUS CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 28, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Mar 15, 2023 |
| Property Address | 7044 GINGER LN, SAGINAW, MI 48609-6807 |
| Document Number | 0000004941 |
| Map Reference | LB 20 PG 39&40 |
| Instrument Date | Mar 01, 2023 |
| Instrument | 2023004941 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2023 |
| Title Company | MID-STATE TITLE SERVICES INC, MID STATE TITLE SERVICES INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7044 GINGER LN, SAGINAW, MI 48609-6807 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7044 GINGER LN, SAGINAW, MI 48609-6807 |
Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Thomas Township |
| Unified School District | Swan Valley School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $68,800 (+7.17%) | $137,600 (+7.17%) | |
| 2025 | $452.00 (-71.8%) Homeowner's exemption | $64,200 (+42.35%) | $128,400 (+42.35%) |
| 2023 | $45,100 | $90,200 | |
| 2022 | $1,603.00 |
Source: FEMA National Flood Hazard Layer as of March 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record median of 34 policies |
| Nearby Flood Policies | 34 in force |
| Nearby Flood Claims | 44 (1986–2026) |
| Claims Outside the SFHA | 4 of 44 |
| Most Recent Claim | Apr 2026 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 99 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | THOMAS TOWNSHIP serves 11,931 people |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2023 |
| Lead | 2 ppb (2024) 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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