8465 Ederer Rd, Saginaw, MI 48609 Property Records

Saginaw County property record for 8465 Ederer Rd, Saginaw, MI 48609

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,306 sqft · built 1961
Lot Size	0.646 acres (28,140 sqft)
Owner	Individual Name on File
Last Sale	$107,500 (May 2017)
Tax Bill	$2,290 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-11-3-02-1208-000`

Property Details

APN / Parcel Number

Primary APN	`16-11-3-02-1208-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,306 sqft Living Area
1st Floor Area	1,306 sqft
Basement Area	1,202 sqft
Unfinished Basement	1,202 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	28,140 sqft (0.646 acres)
Lot Dimensions	158 ft deep x 178 ft wide
Garage Area	496 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	25 sqft
Deck Area	Deck Area
Patio Area	660 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	8465 EDERER RD
City	SAGINAW
State	MI
Zip	48609-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	LOT 8 EDERER ESTATES PART OF THE FRL NE 1/4 SEC 02 T11N R3E
Legal Range	03E
Legal Township	11N
Legal Section	02
Legal Subdivision	EDERER ESTATES
Legal Lot Number	8
Legal Unit	8
Jurisdiction	SAGINAW MI
Township / Civil Division	JAMES
Census Block Group	1
Census Block	1029
Census Tract	11901

Owner

8465 Ederer Rd is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	8465 EDERER RD, SAGINAW, MI 48609-9504
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

Date	Document
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage JOLT CREDIT UNION
May 16, 2017	Warranty Deed, Transfer · Conventional with PMI FIFTH THIRD MTG/MI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2017 · Amount on File
Deed Sale	May 16, 2017 · Amount on File
Prior Sale	Jul 24, 2006 · Amount on File
Deed Document Number	201716205
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	8465 EDERER RD, SAGINAW, MI 48609-9504
Transaction Type	Mortgage
Record Updated	Apr 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8465 EDERER RD, SAGINAW, MI 48609-9504

Mortgage

Document Number	2021008548
Date	Mar 24, 2021
Instrument	2021008548

Lender

Name	JOLT CREDIT UNION
Type	Credit Union
Address	SAGINAW, MI 48603

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	May 16, 2017
Property Address	8465 EDERER RD, SAGINAW, MI 48609-9504
Document Number	0000016205
Instrument Date	May 12, 2017
Instrument	16205
Transaction Type	Transfer
Record Updated	Jun 9, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$107.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4057 LOUISE ST SAGINAW MI 486034157, SAGINAW, MI 48603-4157

Mortgage

Document Number	16206
Date	May 16, 2017
Instrument	16206

Lender

Name	FIFTH THIRD MTG/MI
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 15, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 8465 Ederer Rd was $2,290 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	James Township
Unified School District	Swan Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$92,600	$185,200
2025	$2,290.00 Homeowner's exemption
2023		$66,500	$133,000
2022	$1,884.00

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

Flood

FEMA maps place 8465 Ederer Rd in Zone X, an area of minimal flood risk, though there have been 70 flood claims nearby since 1991.

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 95 policies
Nearby Flood Policies	95 in force
Nearby Flood Claims	70 (1991–2026)
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2020 · 39 claims Flooding, Apr 2013 · 13 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 8465 Ederer 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 95% of the US · lower than 89% 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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