7635 N River Rd, Freeland, MI 48623 Property Records

Saginaw County property record for 7635 N River Rd, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,380 sqft · built 1993
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$118,000 (Mar 1994)
Tax Bill	$468 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-13-3-20-1006-001`

Property Details

APN / Parcel Number

Primary APN	`29-13-3-20-1006-001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft
Basement Area	1,380 sqft
Unfinished Basement	1,380 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	290 ft deep x 150 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	132 sqft
Deck Area	Deck Area
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7635 N RIVER RD
City	FREELAND
State	MI
Zip	48623-9256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PART OF NE 1/4 OF SEC 20 & PART OF NW 1/4 OF SEC 21 DESC AS FOLLOWS COM AT INTERSECTION OF E LINE OF SEC 20 WITH C/L OF RIVER
Legal Range	03E
Legal Township	13N
Legal Section	20
Jurisdiction	SAGINAW MI
Township / Civil Division	TITTABAWASSEE
Census Block Group	1
Census Block	1044
Census Tract	10102

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	2 Individual Names on Record
Mailing Address	7635 N RIVER RD, FREELAND, MI 48623-9256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 1994 · Amount on Record
Deed Sale	Mar 3, 1994 · Amount on Record
Deed Book / Page	1898 / 1472
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	7635 N RIVER RD, FREELAND, MI 48623-9256
Document Number	0000003543
Instrument Date	Feb 6, 2018
Transaction Type	Mortgage
Record Updated	Mar 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7635 N RIVER RD FREELAND MI 486239256, FREELAND, MI 48623-9256

Mortgage

Document Number	0000003543
Date	Feb 16, 2018
Instrument	3543

Lender

Name	WANIGAS CU
Address	SAGINAW, MI 48603

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 15, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Tittabawassee Township
Unified School District	Freeland Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$145,300	$290,600
2025	$468.00 (-1.06%) Homeowner's exemption
2024	$473.00 (+72%)
2022	$275.00

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2017–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2020 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2020 · 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	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20