8998 Garner Ln, Freeland, MI 48623 Property Records

Saginaw County property record for 8998 Garner Ln, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,030 sqft · built 2009
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on Record
Last Sale	$362,500 (Oct 2022)
Tax Bill	$6,800 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-3-15-2134-000`

Property Details

APN / Parcel Number

Primary APN	`29-13-3-15-2134-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,030 sqft Living Area
1st Floor Area	1,024 sqft
Basement Area	1,024 sqft
Unfinished Basement	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	202 ft deep x 120 ft wide
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	218 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8998 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 34 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	34
Legal Unit	34
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8998 GARNER LN, FREELAND, MI 48623-8928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2022	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Sep 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHRISTINE VOSICEK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2022 · Amount on Record
Deed Sale	Oct 19, 2022 · Amount on Record
Prior Sale	Jan 5, 2010 · Amount on Record
Deed Document Number	202227462
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 19, 2022
Property Address	8998 GARNER LN, FREELAND, MI 48623-8928
Document Number	0000027462
Map Reference	LB 30 PG 26
Instrument Date	Oct 14, 2022
Instrument	2022027462
Transaction Type	Transfer
Record Updated	Nov 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,718.75
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8998 GARNER LN, 8998, FREELAND, MI 48623-8928

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8998 GARNER LN, FREELAND, MI 48623-8928

Mortgage

Document Number	0000027463
Date	Oct 19, 2022
Instrument	2022027463

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	8998 GARNER LN, FREELAND, MI 48623-8928
Transaction Type	Mortgage
Record Updated	Sep 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8998 GARNER LN, FREELAND, MI 48623-8928

Mortgage

Document Number	0000024213
Date	Sep 9, 2022
Instrument	2022024213

Lender

Name	CHRISTINE VOSICEK
Type	Private Party
Address	8853 GARNER LN, FREELAND, MI 48623

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	1 Months
Due	Oct 12, 2022

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		$196,500 (+13.32%)	$393,000 (+13.32%)
2025	$6,800.00 (+57.01%) Homeowner's exemption
2023		$173,400	$346,800
2022	$4,331.00

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 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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