7115 Fergus Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 7115 Fergus Rd, Saint Charles, MI 48655 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,386 sqft · built 1928
Lot Size	1.71 acres (74,488 sqft)
Owner	2 Individual Names on File
Last Sale	$90,000 (Dec 2023)
Tax Bill	$696 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Sep 2023 Mortgage + 6 more
Flood Zone	Zone X (moderate risk)
APN	`24-10-3-24-4001-002`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-24-4001-002`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,386 sqft Living Area
1st Floor Area	792 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Composition/Composite
Roof Type	Gable
Roof Material	Asphalt
Lot Area	74,488 sqft (1.71 acres)
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Porch
Porch Area	252 sqft
Total Buildings	4 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7115 FERGUS RD
City	SAINT CHARLES
State	MI
Zip	48655-9613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT E 1/4 CORN OF SEC TH W 469.95 FT TO POB TH S 330 FT TH W 250 FT TH N 330 FT TH E 250 FT TO POB 1.89 ACRES SEC 24 T10N R3E ***NEW # SPLIT FROM PARENT 4001-000 1/20/06
Legal Range	03E
Legal Township	10N
Legal Section	24
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3091
Census Tract	12600

Owner

Source: Saginaw County records · APN 24-10-3-24-4001-002

Assessment roll updated September 9, 2025 · Last verified August 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	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Sep 28, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) THE HUNTINGTON NATIONAL BANK
Oct 19, 2023	Intrafamily Transfer, Transfer
Dec 07, 2023	Warranty Deed, Transfer
Dec 07, 2023	Re-recorded Document
Dec 07, 2023	Re-recorded Document
Dec 07, 2020	Warranty Deed, Transfer NOT AVAILABLE
Oct 30, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 07, 2023 · Amount on Record
Deed Sale	Dec 07, 2023 · Amount on Record
Prior Sale	Dec 07, 2023 · Amount on Record
Deed Document Number	202326138
Prior Transfer Date	Sep 20, 2023
Prior Transfer Doc	0000023074
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613
Transaction Type	Mortgage
Record Updated	Oct 13, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 BROADWAY AVE, OWOSSO, MI 48867-4504

Mortgage

Document Number	0000021475
Date	Sep 28, 2023
Instrument	2023021475

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613
Transaction Type	Mortgage
Record Updated	Oct 13, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613

Mortgage

Document Number	0000021476
Date	Sep 28, 2023
Instrument	2023021476

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Oct 19, 2023
Property Address	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613
Document Number	0000023074
Instrument Date	Sep 20, 2023
Instrument	2023023074
Transaction Type	Transfer
Record Updated	Nov 03, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Dec 07, 2023
Property Address	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613
Document Number	0000026137
Instrument Date	Sep 15, 2023
Instrument	2023026137
Transaction Type	Transfer
Record Updated	Dec 20, 2023

Transaction

Amount	Amount Recorded
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613

December 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	SAGINAW MI
Recording Date	Dec 07, 2023
Property Address	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613
Document Number	0000026138
Instrument Date	Sep 15, 2023
Instrument	2023026138
Record Updated	Dec 20, 2023

Transaction

Amount	Amount Recorded
Tax	$675.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27352 THOMAS AVE, WARREN, MI 48092-3586

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613

December 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	SAGINAW MI
Recording Date	Dec 07, 2023
Property Address	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613
Document Number	0000026136
Instrument Date	Nov 25, 2020
Instrument	2023026136
Record Updated	Dec 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29424 SHENANDOAH DR, FARMINGTON HILLS, MI 48331-2463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2143 KOPER DR, STERLING HEIGHTS, MI 48310-5229

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Dec 07, 2020
Property Address	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613
Document Number	0000030946
Instrument Date	Nov 09, 2020
Instrument	30946
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$90.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	36830 RYAN RD STERLING HEIGHTS MI 483104455, STERLING HEIGHTS, MI 48310-4455

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 30, 2019
Property Address	7115 FERGUS RD, SAINT CHARLES, MI 48655-9613
Document Number	0000026890
Instrument Date	Oct 28, 2019
Instrument	26890
Transaction Type	Transfer
Record Updated	Nov 13, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Lifetime Benefit
Address	5880A ADAMS ST FORT KNOX KY 401212060, FORT KNOX, KY 40121-2060

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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		$69,400 (+9.29%)	$138,800 (+9.29%)
2025	$696.00 (-72.05%) Homeowner's exemption	$63,500 (+17.38%)	$127,000 (+17.38%)
2023		$54,100 (+15.35%)	$108,200 (+15.35%)
2022	$2,490.00 (+7.84%)	$46,900	$93,800
2021	$2,309.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), updated March 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261450126003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 16 individual NFIP policies nearby
Nearby Flood Policies	16 in force
Nearby Flood Claims	12 (1986–2020)
Most Recent Claim	May 2020, river or lake flooding, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, May 2020 · 2 claims Flooding, Apr 2013 · 2 claims Severe Storms & Flooding, Sep 1986 · 7 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 1 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Brightspeed	DSL	40 / 3
Verizon	Fixed Wireless	25 / 6
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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