8640 Herbert St, Saginaw, MI 48609 Property Records

Saginaw County property record for 8640 Herbert St, Saginaw, MI 48609

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,802 sqft · built 1965
Lot Size	0.291 acres (12,676 sqft)
Owner	2 Individual Names on File
Last Sale	$242,000 (Sep 2020)
Tax Bill	$5,046 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-12-3-26-3123-000`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-26-3123-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,802 sqft Living Area
1st Floor Area	1,852 sqft
Basement Area	552 sqft
Finished Basement	552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,676 sqft (0.291 acres)
Lot Dimensions	104 ft deep x 122 ft wide
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	497 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8640 HERBERT ST
City	SAGINAW
State	MI
Zip	48609-9462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 23 EXC NE LY 5 FT KUTSCH SUB-DIV SEC 26 T12N R3E
Legal Range	03E
Legal Township	12N
Legal Section	26
Legal Subdivision	KUTSCH SUB
Legal Lot Number	23
Legal Unit	23
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	1
Census Block	1008
Census Tract	12003

Owner

8640 Herbert St is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	8640 HERBERT ST, SAGINAW, MI 48609-9462
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
Jul 6, 2022	Deed of Trust, Mortgage · Line of Credit SAGINAW COUNTY EMPLOYEES CU
Sep 10, 2020	Warranty Deed, Transfer · Conventional Mortgage MEMBER FIRST MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Prior Sale	Sep 30, 1991 · Amount on File
Deed Document Number	202022680
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	8640 HERBERT ST, SAGINAW, MI 48609-9462
Transaction Type	Mortgage
Record Updated	Jul 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8640 HERBERT ST, SAGINAW, MI 48609-9462

Mortgage

Document Number	0000018998
Date	Jul 6, 2022
Instrument	2022018998

Lender

Name	SAGINAW COUNTY EMPLOYEES CU
Type	Credit Union
Address	SAGINAW, MI 48602

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 5, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 10, 2020
Property Address	8640 HERBERT ST, SAGINAW, MI 48609-9462
Document Number	2020022680
Map Reference	LB 12 PG 21
Instrument Date	Aug 7, 2020
Instrument	2020022680
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	MICHIGAN FIRST TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,815.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8640 HERBERT ST, 8640, SAGINAW, MI 48609-9462

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8640 HERBERT ST, SAGINAW, MI 48609-9462

Mortgage

Document Number	2020022681
Date	Sep 10, 2020
Instrument	2020022681

Lender

Name	MEMBER FIRST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 8640 Herbert St was $5,046 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	Thomas Township
Unified School District	Swan Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$180,300	$360,600
2025	$5,046.00 Homeowner's exemption
2023		$134,600	$269,200
2022	$4,379.00

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

Flood

FEMA maps place 8640 Herbert St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 in force

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 8640 Herbert 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 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.

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 77 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

May also be available: AT&T.

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