8974 Garner Ln, Freeland, MI 48623 Property Records

Saginaw County property record for 8974 Garner Ln, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,104 sqft · built 2009
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$259,000 (May 2017)
Tax Bill	$6,651 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-3-15-2133-000`

Property Details

APN / Parcel Number

Primary APN	`29-13-3-15-2133-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,104 sqft Living Area
1st Floor Area	1,058 sqft
Basement Area	1,058 sqft
Finished Basement	1,058 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)
Lot Dimensions	200 ft deep x 125 ft wide
Garage Area	814 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Porch
Porch Area	298 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	8974 GARNER LN
City	FREELAND
State	MI
Zip	48623-8928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A-RE
Legal Description	LOT 33 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	33
Legal Unit	33
Jurisdiction	SAGINAW MI
Township / Civil Division	TITTABAWASSEE
Census Block Group	1
Census Block	1040
Census Tract	10101

Owner

Source: Saginaw County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8974 GARNER LN, FREELAND, MI 48623-8928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2017	Deed of Trust, Mortgage FIRST STATE BANK
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage 1ST STATE BANK
May 15, 2017	Warranty Deed, Transfer 1ST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2017 · Amount on Record
Deed Sale	May 15, 2017 · Amount on Record
Prior Sale	May 8, 2012 · Amount on Record
Deed Document Number	201715951
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	8974 GARNER LN, FREELAND, MI 48623-8928
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021932
Date	Jul 28, 2017
Instrument	2017021932

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	8974 GARNER LN, FREELAND, MI 48623-8928
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8974 GARNER LN, FREELAND, MI 48623-8928

Mortgage

Document Number	0000023221
Date	Sep 16, 2020
Instrument	2020023221

Lender

Name	1ST STATE BANK
Type	Bank
Address	SAGINAW, MI 48605

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2040

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	May 15, 2017
Property Address	8974 GARNER LN, FREELAND, MI 48623-8928
Document Number	2017015951
Instrument Date	May 5, 2017
Instrument	2017015951
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,227.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8974 GARNER LN, 8974, FREELAND, MI 48623-8928

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8974 GARNER LN, FREELAND, MI 48623-8928

Mortgage

Document Number	0000015952
Date	May 15, 2017
Instrument	2017015952

Lender

Name	1ST STATE BANK
Type	Bank
Address	SAGINAW, MI 48605

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Tittabawassee Township
Unified School District	Freeland Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$226,200 (+12.65%)	$452,400 (+12.65%)
2025	$6,651.00 (+25.61%) Homeowner's exemption
2023		$200,800	$401,600
2022	$5,295.00

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 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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