8665 Saunders Rd, Sterling, MI 48659 Property Records

Bay County property record for 8665 Saunders Rd, Sterling, MI 48659

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,120 sqft · built 1930
Lot Size	38 acres (1,655,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Nov 2022)
Tax Bill	$410 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`060-003-300-005-02`

Property Details

APN / Parcel Number

Primary APN	`060-003-300-005-02`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	2,120 sqft Living Area
1st Floor Area	2,120 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Ranch
Foundation Type	Slab (Mat/Raft)
Lot Area	1,655,280 sqft (38 acres)
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	8665 SAUNDERS RD
City	STERLING
State	MI
Zip	48659-9608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE 1/4 OF SW 1/4. EX COM AT A PT 1845 FT N FR S 1/4 COR OF SEC TH W 192 FT TH N 453.75 FT TH E 192 FT TH S 453.75 FT TO BEG.
Jurisdiction	BAY MI
Township / Civil Division	GIBSON
Census Block Group	1
Census Block	1003
Census Tract	286400

Owner

Source: Bay County records, as of May 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8665 SAUNDERS RD, STERLING, MI 48659-9608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2022	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Nov 3, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2022 · Amount on Record
Deed Sale	Nov 23, 2022 · Amount on Record
Prior Sale	May 3, 2006 · Amount on Record
Deed Document Number	202216069
Prior Transfer Date	Feb 7, 2005
Prior Transfer Doc	0023110264
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Nov 23, 2022
Property Address	8665 SAUNDERS RD, STERLING, MI 48659-9608
Document Number	0000016069
Instrument Date	Nov 21, 2022
Instrument	202216069
Transaction Type	Transfer
Record Updated	Jan 9, 2023
Title Company	SAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8665 SAUNDERS RD, STERLING, MI 48659-9608

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 W CORNELL ST, SAGINAW, MI 48604-1310

Mortgage

Document Number	0000016070
Date	Nov 23, 2022
Instrument	202216070

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Nov 3, 2020
Property Address	8665 SAUNDERS RD, STERLING, MI 48659-9608
Document Number	0000015706
Instrument Date	Oct 26, 2020
Instrument	15706
Transaction Type	Transfer
Record Updated	Jan 18, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,806.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1280 BABLON DR WHITE LAKE MI 483863900, WHITE LAKE, MI 48386-3900

Tax Assessment & Valuation

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Gibson Township
Unified School District	Standish-Sterling Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$410.00 (-87.63%) Homeowner's exemption	$136,700	$273,400
2022	$3,315.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 17, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fixed Wireless	1,000 / 500

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Saunders Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures