Saginaw County property record for 8917 Garner Ln, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,726 sqft · built 2004 |
| Lot Size | 0.72 acres (31,363 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Jul 2014) |
| Tax Bill | $2,256 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-3-15-2137-000 |
| Primary APN | 29-13-3-15-2137-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,726 sqft Living Area |
| 1st Floor Area | 1,961 sqft |
| Basement Area | 1,961 sqft |
| Unfinished Basement | 1,961 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 31,363 sqft (0.72 acres) |
| Lot Dimensions | 250 ft deep x 125 ft wide |
| Garage Area | 1,958 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 530 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 8917 GARNER LN |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-8928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1-AGRI |
| Legal Description | LOT 37 GARNER PLACE SUBDIVISION NO 1 SEC 15 T13N R3E ***NEW # SPLIT FROM PARENTS 2001-000 003 004 005 & 014 ***1/21/04 |
| Legal Range | 03E |
| Legal Township | 13N |
| Legal Section | 15 |
| Legal Subdivision | PLACE SUBDIVISION |
| Legal Lot Number | 37 |
| Legal Unit | 37 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TITTABAWASSEE |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 10101 |
Source: Saginaw County records · APN 29-13-3-15-2137-000
Assessment roll updated September 9, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 8917 GARNER LN, FREELAND, MI 48623-8928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 19, 2022 | Deed of Trust, Mortgage · Line of Credit DOW CHEMICAL EMPLOYEES CU |
| Dec 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage DOW CHEMICAL EMPS CU |
| Mar 03, 2017 | Deed of Trust, Mortgage · Line of Credit DOW CHEMICAL EMPS CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 02, 2014 · Amount on Record |
| Deed Sale | Jul 02, 2014 · Amount on Record |
| Prior Sale | Mar 16, 2010 · Amount on Record |
| Deed Document Number | 201419936 |
| Deed Book / Page | 2778 / 101 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 8917 GARNER LN, FREELAND, MI 48623-8928 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 8917 GARNER LN, FREELAND, MI 48623-8928 |
| Document Number | 0000022361 |
|---|---|
| Date | Aug 19, 2022 |
| Instrument | 2022022361 |
| Name | DOW CHEMICAL EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | MIDLAND, MI 48641 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 8917 GARNER LN, FREELAND, MI 48623-8928 |
| Document Number | 0000000071 |
| Instrument Date | Dec 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8917 GARNER LN FREELAND MI 486238928, FREELAND, MI 48623-8928 |
| Document Number | 0000000071 |
|---|---|
| Date | Jan 02, 2020 |
| Instrument | 71 |
| Name | DOW CHEMICAL EMPS CU |
|---|---|
| Type | Credit Union |
| Address | MIDLAND, MI 48641-1649 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 8917 GARNER LN, FREELAND, MI 48623-8928 |
| Document Number | 0000005617 |
| Book / Page | 002892 / 000104 |
| Instrument Date | Mar 03, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8917 GARNER LN FREELAND MI 486238928, FREELAND, MI 48623-8928 |
| Document Number | 0000005617 |
|---|---|
| Date | Mar 09, 2017 |
| Book Page | 002892/000104 |
| Instrument | 5617 |
| Name | DOW CHEMICAL EMPS CU |
|---|---|
| Type | Credit Union |
| Address | MIDLAND, MI 48641-1649 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Tittabawassee Township |
| Unified School District | Freeland Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $286,000 (+13.36%) | $572,000 (+13.36%) | |
| 2025 | $2,256.00 (-63.12%) Homeowner's exemption | ||
| 2023 | $252,300 | $504,600 | |
| 2022 | $6,117.00 |
Source: FEMA National Flood Hazard Layer as of March 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 95% of the US · lower than 89% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| LakeNet Fiber | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 70 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TITTABAWASSEE TOWNSHIP serves 9,227 people |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2018 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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