Saginaw County property record for 7786 N River Rd, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,921 sqft · built 1972 |
| Lot Size | 1.04 acres (45,302 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Aug 2021) |
| Tax Bill | $4,913 (2025) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Jan 2021 Transfer |
| Flood Zone | Zone A (high risk) |
| APN | 29-13-3-20-1015-000 |
| Primary APN | 29-13-3-20-1015-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,921 sqft Living Area |
| 1st Floor Area | 1,921 sqft |
| Basement Area | 1,200 sqft |
| Unfinished Basement | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 45,302 sqft (1.04 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | Deck Area |
| Patio Area | 480 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 7786 N RIVER RD |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-8449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | PT OF TH NE 1/4 OF THE NE 1/4 OF SEC 20 T13N R3E DESC AS BEG AT A PT ON THE C/L OF N RIVER RD 128.5 FT N MEASURED AT RIGHT |
| Legal Range | 03E |
| Legal Township | 13N |
| Legal Section | 20 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TITTABAWASSEE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 10102 |
7786 N River Rd is owned and occupied by an individual who bought it in August 2021.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7786 N RIVER RD, FREELAND, MI 48623-8449 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Jan 13, 2021 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 27, 2021 · Amount on File |
| Deed Sale | Aug 27, 2021 · Amount on File |
| Deed Document Number | 202128308 |
| Prior Transfer Date | Nov 6, 2020 |
| Prior Transfer Doc | 0000001649 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Aug 27, 2021 |
| Property Address | 7786 N RIVER RD, FREELAND, MI 48623-8449 |
| Document Number | 2021028308 |
| Instrument Date | Aug 13, 2021 |
| Instrument | 2021028308 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2021 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $937.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8895 KOCHVILLE RD, 8895, SAGINAW, MI 48603-9671 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 115 N AUBURN RD, AUBURN, MI 48611-9412 |
| Document Number | 2021028309 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 2021028309 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jan 13, 2021 |
| Property Address | 7786 N RIVER RD, FREELAND, MI 48623-8449 |
| Document Number | 0000001649 |
| Instrument Date | Nov 6, 2020 |
| Instrument | 1649 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 5670 TULLER PL SAGINAW MI 486031635, SAGINAW, MI 48603-1635 |
The 2025 property tax bill for 7786 N River Rd was $4,913 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Tittabawassee Township |
| Unified School District | Freeland Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $131,800 | $263,600 | |
| 2025 | $4,913.00 Homeowner's exemption | ||
| 2023 | $102,300 | $204,600 | |
| 2022 | $3,874.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7786 N River Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 risk around 7786 N River Rd is low, with less than a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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