8668 Saunders Rd, Sterling, MI 48659 Property Records

Bay County property record for 8668 Saunders Rd, Sterling, MI 48659

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,736 sqft · built 2005
Lot Size	13 acres (566,280 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Jun 2012)
Tax Bill	$2,605 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`060-003-400-015-04`

Property Details

APN / Parcel Number

Primary APN	`060-003-400-015-04`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Building Area	1,736 sqft Living Area
1st Floor Area	1,728 sqft
Basement Area	1,728 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Lot Area	566,280 sqft (13 acres)
Garage Area	1,440 sqft
Parking Spaces	5 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	8668 SAUNDERS RD
City	STERLING
State	MI
Zip	48659-9608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 7/8 OF W 1/2 OF SE 1/4. EX S 37 A THRF & EX N 1/2 OF N 1/2 OF W 1/2 OF SE 1/4. SEC.3,T18N,R3E
Jurisdiction	BAY MI
Township / Civil Division	GIBSON
Census Block Group	1
Census Block	1002
Census Tract	286400

Owner

Source: Bay County records, as of July 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	8668 SAUNDERS RD, STERLING, MI 48659-9608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED BAY COMMUNITY CU
Oct 8, 2020	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2012 · Amount on Record
Deed Sale	Jun 29, 2012 · Amount on Record
Prior Sale	Mar 9, 2011 · Amount on Record
Deed Book / Page	2886 / 81
Prior Transfer Date	Sep 18, 2006
Prior Transfer Doc	0024740209
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	8668 SAUNDERS RD, STERLING, MI 48659-9608
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202111291
Date	Jun 28, 2021
Instrument	202111291

Lender

Name	UNITED BAY COMMUNITY CU
Type	Credit Union
Address	BAY CITY, MI 48708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2041

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY MI
Property Address	8668 SAUNDERS RD, STERLING, MI 48659-9608
Document Number	0000000887
Instrument Date	Oct 8, 2020
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8668 SAUNDERS RD STERLING MI 486599608, STERLING, MI 48659-9608

Mortgage

Document Number	0000000887
Date	Jan 19, 2021
Instrument	887

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Jan 18, 2043

Interest

Rate	3.75%

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	$2,605.00 (+3.91%) Homeowner's exemption	$141,400 (+2.54%)	$282,800 (+2.54%)
2025		$137,900 (+46.55%)	$275,800 (+46.55%)
2024	$2,507.00 (+47.99%)
2023		$94,100	$188,200
2022	$1,694.00

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

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

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