Saginaw County property record for 8950 Garner Ln, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,095 sqft · built 2009 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Jan 2024) |
| Tax Bill | $7,162 (2025) |
| Deeds & Mortgages | Jan 2024 Sale Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-3-15-2132-000 |
| Primary APN | 29-13-3-15-2132-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,095 sqft Living Area |
| 1st Floor Area | 935 sqft |
| Basement Area | 935 sqft |
| Unfinished Basement | 935 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,216 sqft (0.51 acres) |
| Lot Dimensions | 109 ft deep x 202 ft wide |
| Garage Area | 1,584 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 386 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 8950 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 32 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 | 32 |
| Legal Unit | 32 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TITTABAWASSEE |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 10101 |
8950 Garner Ln is owned and occupied by two individuals who acquired it in December 2024.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8950 GARNER LN, FREELAND, MI 48623-8928 |
| 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.
| Date | Document |
|---|---|
| Jan 22, 2024 | Warranty Deed, Transfer CROSSROADS TITLE |
| Jun 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN SCHOOLS & GOV'T CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2024 · Amount on File |
| Deed Sale | Jan 22, 2024 · Amount on File |
| Prior Sale | Oct 28, 2009 · Amount on File |
| Deed Document Number | 20241403 |
| Last Transfer Date | Dec 26, 2024 |
| Transfer Doc | 0000028201 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jan 22, 2024 |
| Property Address | 8950 GARNER LN, FREELAND, MI 48623-8928 |
| Document Number | 0000001403 |
| Map Reference | LB 30 PG 26 |
| Instrument Date | Jan 19, 2024 |
| Instrument | 2024001403 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2024 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8950 GARNER LN, FREELAND, MI 48623-8928 |
| Name | Verified Name |
|---|---|
| Address | 11743 SCOTT RD, FREELAND, MI 48623-9511 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 8950 GARNER LN, FREELAND, MI 48623-8928 |
| Document Number | 0000016208 |
| Instrument Date | Jun 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 8950 GARNER LN FREELAND MI 486238928, FREELAND, MI 48623-8928 |
| Document Number | 0000016208 |
|---|---|
| Date | Jun 26, 2020 |
| Instrument | 16208 |
| Name | MICHIGAN SCHOOLS & GOV'T CU |
|---|---|
| Type | Credit Union |
| Address | CLINTON TOWNSHIP, MI 48038 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 25, 2035 |
The 2025 property tax bill for 8950 Garner Ln was $7,162 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Tittabawassee Township |
| Unified School District | Freeland Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $205,700 | $411,400 | |
| 2025 | $7,162.00 Homeowner's exemption | ||
| 2023 | $156,200 | $312,400 | |
| 2022 | $4,103.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8950 Garner Ln 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 risk around 8950 Garner Ln 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 96% of the US · lower than 91% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TITTABAWASSEE TOWNSHIP serves 9,227 people · EPA ID MI0002470 |
|---|---|
| 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, 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.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| LakeNet Fiber | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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