8190 Beaver Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 8190 Beaver Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,364 sqft · built 1999
Lot Size	0.91 acres (39,640 sqft)
Owner	2 Individual Names on File
Last Sale	$193,500 (Jul 2014)
Tax Bill	$5,163 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-06-1001-004`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-06-1001-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,364 sqft Living Area
1st Floor Area	2,364 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Combination
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,640 sqft (0.91 acres)
Garage Area	952 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8190 BEAVER RD
City	SAINT CHARLES
State	MI
Zip	48655-9682
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT A PT 633.59 FT S FROM NE CORN OF SEC 6 TH S 150 FT TH W 297 FT TH N 150 FT TH E 297 FT TO POB 1.02 ACRES VILLAGE OF ST
Legal Range	03E
Legal Township	10N
Legal Section	06
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1003
Census Tract	12600

Owner

8190 Beaver Rd is owned and occupied by two individuals who acquired it in July 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	8190 BEAVER RD, SAINT CHARLES, MI 48655-9682
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2014 · Amount on File
Deed Sale	Jul 11, 2014 · Amount on File
Prior Sale	Jun 26, 1998 · Amount on File
Deed Document Number	201420499
Deed Book / Page	2778 / 2239
Last Transfer Date	Jul 18, 2014
Transfer Doc	0000035476
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	8190 BEAVER RD, SAINT CHARLES, MI 48655-9682
Transaction Type	Mortgage
Record Updated	Jan 18, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8190 BEAVER RD, SAINT CHARLES, MI 48655-9682

Mortgage

Document Number	0000000242
Date	Jan 4, 2022
Instrument	2022000242

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	271 Months
Due	Aug 1, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 8190 Beaver Rd was $5,163 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$182,600	$365,200
2025	$5,163.00 Homeowner's exemption
2023		$141,800	$283,600
2022	$2,810.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8190 Beaver Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1986.

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 File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	7 (1986–2026)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Apr 2026
Claims by Event	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

Wildfire risk around 8190 Beaver Rd is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VILLAGE OF ST. CHARLES serves 2,054 people · EPA ID MI0006260
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 50 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