7305 Gary Rd, Chesaning, MI 48616 Property Records

Saginaw County property record for 7305 Gary Rd, Chesaning, MI 48616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,228 sqft · built 1930
Lot Size	1.7 acres (74,052 sqft)
Owner	Individual Name on Record
Last Sale	$124,900 (Sep 2019)
Tax Bill	$1,653 (2025)
Deeds & Mortgages	Apr 2018 Refinance Sep 2019 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`13-09-3-01-1002-001`

Property Details

APN / Parcel Number

Primary APN	`13-09-3-01-1002-001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,228 sqft Living Area
1st Floor Area	1,228 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Roof Type	Gable
Roof Material	Asphalt
Lot Area	74,052 sqft (1.7 acres)
Garage Type	Detached
Garage Area	504 sqft
Porch	Covered Porch
Porch Area	96 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	7305 GARY RD
City	CHESANING
State	MI
Zip	48616-9461
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	COM AT NE CORN OF SEC TH W 1286.40 FT TO POB TH S 260 FT TH S86DEG W 325 FT TH N 260 FT TH N86DEG E 325 FT TO POB - 1.94
Legal Range	03E
Legal Township	09N
Legal Section	01
Jurisdiction	SAGINAW MI
Township / Civil Division	CHESANING
Census Block Group	3
Census Block	3095
Census Tract	12600

Owner

Source: Saginaw County records, as of October 1, 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	7305 GARY RD, CHESANING, MI 48616-9461
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA
Sep 4, 2019	Warranty Deed, Transfer · Stand-Alone Refinance AMERIFIRST FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2019 · Amount on Record
Deed Sale	Sep 4, 2019 · Amount on Record
Prior Sale	Nov 18, 2014 · Amount on Record
Deed Document Number	201922115
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	7305 GARY RD, CHESANING, MI 48616-9461
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012344
Date	Apr 20, 2018
Instrument	2018012344

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	May 1, 2046

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 4, 2019
Property Address	7305 GARY RD, CHESANING, MI 48616-9461
Document Number	2019022115
Instrument Date	Aug 23, 2019
Instrument	2019022115
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11145 WILLARD RD, MONTROSE, MI 48457-9411
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022116
Date	Sep 4, 2019
Instrument	2019022116

Lender

Name	AMERIFIRST FINANCIAL

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Chesaning Township
Unified School District	Chesaning Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$76,700 (+32.7%)	$153,400 (+32.7%)
2025	$1,653.00 (+15.84%) Homeowner's exemption
2023		$57,800	$115,600
2022	$1,427.00

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

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
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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	100 / 10
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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