7331 Gratiot Rd, Saginaw, MI 48609 Property Records

Saginaw County property record for 7331 Gratiot Rd, Saginaw, MI 48609

Property Summary

Property Type	Commercial
Details	1 ba · 2,960 sqft
Lot Size	0.5 acres (21,780 sqft)
Owner	Company Name on Record
Last Sale	$475,000 (Sep 2025)
Tax Bill	$1,797 (2025)
Deeds & Mortgages	Sep 2025 Sale May 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`28-12-3-25-4029-000`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-25-4029-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,960 sqft Total Area
1st Floor Area	968 sqft
Basement Area	968 sqft
Unfinished Basement	968 sqft

Exterior

Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	330 ft deep x 66 ft wide
Porch	Porch
Porch Area	270 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	7331 GRATIOT RD
City	SAGINAW
State	MI
Zip	48609-6910
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	B-3
Legal Description	N 330 FT OF E 66 FT OF W 264 FT OF E 3/4 OF SE 1/4 0.50 ACRE SEC 25 T12N R3E
Legal Range	03E
Legal Township	12N
Legal Section	25
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	2
Census Block	2000
Census Tract	12001

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	7303 GRATIOT RD, SAGINAW, MI 48609-6910
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Warranty Deed, Transfer DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY
May 20, 2022	Deed of Trust, Mortgage FIRST AREA CU
Apr 4, 2022	Warranty Deed, Transfer MOELAND TITLE SERVICES LLC, HOMELAND TITLE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2025 · Amount on Record
Deed Sale	Sep 25, 2025 · Amount on Record
Prior Sale	Apr 4, 2022 · Amount on Record
Deed Document Number	202522981
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 25, 2025
Property Address	7331 GRATIOT RD, SAGINAW, MI 48609-6910
Document Number	0000022981
Instrument Date	Sep 24, 2025
Instrument	2025022981
Transaction Type	Transfer
Record Updated	Oct 3, 2025
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount Recorded
Tax	$3,562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6061 BIRCHVIEW DR, SAGINAW, MI 48609-7002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7303 GRATIOT RD, SAGINAW, MI 48609-6910

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	7331 GRATIOT RD, SAGINAW, MI 48609-6910
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6061 BIRCHVIEW DR, SAGINAW, MI 48609-7002
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015283
Date	May 20, 2022
Instrument	2022015283

Lender

Name	FIRST AREA CU
Type	Credit Union
Address	SAGINAW, MI 48609

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 4, 2022
Property Address	7331 GRATIOT RD, SAGINAW, MI 48609-6910
Document Number	0000008019
Instrument Date	Mar 30, 2022
Instrument	2022008019
Transaction Type	Transfer
Record Updated	Apr 25, 2024
Title Company	MOELAND TITLE SERVICES LLC, HOMELAND TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$907.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7175 MCCLIGGOTT RD, SAGINAW, MI 48609-5046

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6061 BIRCHVIEW DR, SAGINAW, MI 48609-7002
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Thomas Township
Unified School District	Swan Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$36,100 (+4.64%)	$72,200 (+4.64%)
2025	$1,797.00 (+3.39%)	$34,500 (+18.97%)	$69,000 (+18.97%)
2024	$1,738.00 (+14.72%)
2023		$29,000	$58,000
2022	$1,515.00

Assessed value is set for property tax purposes, not a market price estimate; it is 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	27 (1986–2020)
Claims Outside the SFHA	1 of 27
Most Recent Claim	Jun 2020 · other causes
Claims by Event	Severe Storms And Flooding, May 2020 · 18 claims Severe Storms & Flooding, Sep 1986 · 2 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	Not rated no burnable land within ember reach

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	THOMAS TOWNSHIP serves 11,931 people · EPA ID MI0006580
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2023
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

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, 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 162 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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