9138 Saddle Horn Dr, Flushing, MI 48433 Property Records

Genesee County property record for 9138 Saddle Horn Dr, Flushing, MI 48433

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,070 sqft · built 1968
Lot Size	0.517 acres (22,535 sqft)
Owner	Individual Name on File
Last Sale	$177,900 (Jan 2002)
Tax Bill	$3,175 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-22-526-012`

Property Details

APN / Parcel Number

Primary APN	`08-22-526-012`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,070 sqft Living Area
1st Floor Area	1,270 sqft
Basement Area	700 sqft
Unfinished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	22,535 sqft (0.517 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9138 SADDLE HORN DR
City	FLUSHING
State	MI
Zip	48433-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSA
Legal Description	LOT 12 THE PONDEROSA SEC 22 T8N R5E
Legal Range	05E
Legal Township	08N
Legal Section	22
Legal Subdivision	THE PONDEROSA
Legal Lot Number	12
Jurisdiction	GENESEE MI
Township / Civil Division	FLUSHING
Census Block Group	5
Census Block	5003
Census Tract	10610

Owner

9138 Saddle Horn Dr is owned and occupied by an individual who bought it in January 2002.

Source: Genesee County records, as of October 2, 2026

Owner of Record	Individual Name on File
Mailing Address	9138 SADDLE HORN DR, FLUSHING, MI 48433-1214
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2002 · Amount on File
Deed Sale	Jan 30, 2002 · Amount on File
Deed Document Number	200210575
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	9138 SADDLE HORN DR, FLUSHING, MI 48433-1214
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000099454
Date	Nov 27, 2018
Instrument	201811270099454

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2033

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	9138 SADDLE HORN DR, FLUSHING, MI 48433-1214
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000085287
Date	Dec 22, 2020
Instrument	202012220085287

Lender

Name	NEWREZ LLC
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 9138 Saddle Horn Dr was $3,175 with a homeowner's exemption, up 2.5% from the year before.

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Flushing Charter Township
Unified School District	Flushing Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$138,500 (+5.16%) Land $14,300 Building $124,200	$277,000 (+5.16%) Land $28,600 Building $248,400
2025	$3,175.00 (+2.45%) Homeowner's exemption	$131,700	$263,400
2024	$3,099.00
2023		$116,900	$233,800
2021	$2,739.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9138 Saddle Horn Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective February 19, 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	3 in force
Nearby Flood Claims	6 (1981–2001)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Feb 2001 · other causes
Claims by Event	Severe Storms And Flooding, Sep 1985 · 2 claims

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

Wildfire risk around 9138 Saddle Horn Dr 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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FLUSHING serves 8,311 people · EPA ID MI0002340
Water Source	Purchased surface water from GENESEE COUNTY WATER SYSTEM
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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