8700 Saunders Rd, Sterling, MI 48659 Property Records

Bay County property record for 8700 Saunders Rd, Sterling, MI 48659

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,648 sqft · built 1994
Lot Size	20 acres (871,200 sqft)
Owner	Individual Name on Record
Last Sale	$317,000 (Sep 2018)
Tax Bill	$4,557 (2026)
Deeds & Mortgages	Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-003-400-015-02`

Property Details

APN / Parcel Number

Primary APN	`060-003-400-015-02`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,648 sqft Living Area
1st Floor Area	1,648 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Foundation Type	Raised
Lot Area	871,200 sqft (20 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8700 SAUNDERS RD
City	STERLING
State	MI
Zip	48659-9608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/2 OF N 1/2 OF W 1/2 OF SE 1/4. SEC.3,T18N,R3E 10-17-88
Jurisdiction	BAY MI
Township / Civil Division	GIBSON
Census Block Group	1
Census Block	1002
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	Individual Name on Record
Mailing Address	8700 SAUNDERS RD, STERLING, MI 48659-9608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2018 · Amount on Record
Deed Sale	Sep 6, 2018 · Amount on Record
Deed Document Number	201812273
Record Updated	Oct 29, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Sep 6, 2018
Property Address	8700 SAUNDERS RD, STERLING, MI 48659-9608
Document Number	0000012273
Instrument Date	Aug 31, 2018
Instrument	12273
Transaction Type	Transfer
Record Updated	Oct 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,726.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8000 ORA LAKE RD HALE MI 487398904, HALE, MI 48739-8904

Mortgage

Document Number	12275
Date	Sep 6, 2018
Instrument	12275

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605-3285

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 5, 2033

Mortgage

Document Number	12274,
Date	Sep 6, 2018
Instrument	12274

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605-3285

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2048

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	$4,557.00 (+13.41%) Homeowner's exemption	$175,300 (+20.98%)	$350,600 (+20.98%)
2023		$144,900	$289,800
2022	$4,018.00

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Saunders Rd

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