858 Commonwealth St, Saginaw, MI 48604 Property Records

Saginaw County property record for 858 Commonwealth St, Saginaw, MI 48604

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,025 sqft · built 1969
Lot Size	0.537 acres (23,392 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Jun 2026)
Tax Bill	$4,424 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`02-13-5-31-2639-000`

Property Details

APN / Parcel Number

Primary APN	`02-13-5-31-2639-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,025 sqft Living Area
1st Floor Area	1,482 sqft
Basement Area	1,086 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,392 sqft (0.537 acres)
Lot Dimensions	312 ft deep x 75 ft wide
Garage Area	1,213 sqft
Parking Spaces	5 Parking Spaces
Porch	Covered Porch
Porch Area	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	858 COMMONWEALTH ST
City	SAGINAW
State	MI
Zip	48604-1106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B/URB
Legal Description	LOT 139 & W 1/2 OF LOT 140 ALSO W 1/2 OF LOT 175 & ENTIRE LOT 176 GRANDVIEW GARDENS CITY OF ZILWAUKEE SEC 31 T13N R5E ***DESC
Legal Range	05E
Legal Township	13N
Legal Section	31
Legal Subdivision	GRAND VIEW GARDENS
Jurisdiction	SAGINAW MI
Township / Civil Division	ZILWAUKEE
Census Block Group	2
Census Block	2041
Census Tract	10800

Owner

858 Commonwealth St is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	2280 COUNTY ROAD 216, HANCEVILLE, AL 35077-3701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Jun 17, 2026	Warranty Deed, Transfer · Conventional Mortgage OPTION MORTGAGE LENDING INC
Aug 29, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2026 · Amount on File
Deed Sale	Jun 17, 2026 · Amount on File
Prior Sale	Aug 29, 2023 · Amount on File
Deed Document Number	202615929
Prior Transfer Date	Oct 2, 2024
Prior Transfer Doc	0000023711
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 17, 2026
Property Address	858 COMMONWEALTH ST, SAGINAW, MI 48604-1106
Document Number	0000015929
Instrument Date	Jun 11, 2026
Instrument	202615929
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166,650.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2280 COUNTY ROAD 216, HANCEVILLE, AL 35077-3701

Mortgage

Document Number	0000015930,
Date	Jun 17, 2026
Instrument	202615930

Lender

Name	OPTION MORTGAGE LENDING INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 29, 2023
Property Address	858 COMMONWEALTH ST, SAGINAW, MI 48604-1106
Document Number	0000019292
Map Reference	LB 5 PG 23
Instrument Date	Aug 25, 2023
Instrument	2023019292
Transaction Type	Transfer
Record Updated	Sep 11, 2023
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	858 COMMONWEALTH ST, SAGINAW, MI 48604-1106

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2201 AUGSBURG DR, SAGINAW, MI 48603-3703

Mortgage

Document Number	0000019293
Date	Aug 29, 2023
Instrument	2023019293

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	858 COMMONWEALTH ST, SAGINAW, MI 48604-1106
Transaction Type	Mortgage
Record Updated	Apr 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	858 COMMONWEALTH ST, SAGINAW, MI 48604-1106

Mortgage

Document Number	2021008700
Date	Mar 26, 2021
Instrument	2021008700

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 858 Commonwealth St was $4,424 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
Municipality	Zilwaukee City
Unified School District	Saginaw City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$107,400 (+23.59%)	$214,800 (+23.59%)
2025	$4,424.00 Homeowner's exemption	$86,900	$173,800
2023		$49,800 (+10.67%)	$99,600 (+10.67%)
2022	$2,046.00 (+7.23%) Homeowner's exemption	$45,000	$90,000
2021	$1,908.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 858 Commonwealth St in Zone AE, 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 71 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	71 in force
Nearby Flood Claims	26 (1980–2023)
Claims Outside the SFHA	6 of 26
Most Recent Claim	Aug 2023
Claims by Event	Severe Storms And Flooding, May 2020 · 4 claims Severe Storms & Flooding, Oct 1986 · 15 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 858 Commonwealth St 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 97% of the US · lower than 93% 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	CITY OF ZILWAUKEE serves 1,534 people · EPA ID MI0007280
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Feb 2026
Lead	1 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	2 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: LakeNet.

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