920 W Walnut St, Saint Charles, MI 48655 Property Records

Saginaw County property record for 920 W Walnut St, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,300 sqft · built 1970
Lot Size	0.383 acres (16,683 sqft)
Owner	Individual Name on File
Last Sale	$124,000 (Nov 2019)
Tax Bill	$2,799 (2025)
Deeds & Mortgages	May 2018 Refinance Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-10-3-06-0939-000`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-06-0939-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Combination
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,683 sqft (0.383 acres)
Lot Dimensions	167 ft deep x 100 ft wide
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	32 sqft
Deck Area	Deck Area
Patio Area	504 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	920 W WALNUT ST
City	SAINT CHARLES
State	MI
Zip	48655-1261
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 RIVERDALE SUBDIVISION A PART OF S 1/2 OF NE 1/4 VILLAGE OF ST CHARLES SEC 06 T10N R3E
Legal Range	03E
Legal Township	10N
Legal Section	06
Legal Subdivision	RIVERDALE SUBDIVISION
Legal Lot Number	4
Legal Unit	4
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1006
Census Tract	12600

Owner

920 W Walnut St is owned and occupied by an individual who bought it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	920 W WALNUT ST, SAINT CHARLES, MI 48655-1261
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
May 25, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance STATE BANK
Nov 25, 2019	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Dec 16, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2019 · Amount on File
Deed Sale	Nov 25, 2019 · Amount on File
Prior Sale	Jun 30, 1998 · Amount on File
Deed Document Number	201928855
Prior Transfer Date	Nov 20, 2019
Prior Transfer Doc	0000030341
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	920 W WALNUT ST, SAINT CHARLES, MI 48655-1261
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015232
Date	May 25, 2018
Instrument	2018015232

Lender

Name	STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 25, 2019
Property Address	920 W WALNUT ST, SAINT CHARLES, MI 48655-1261
Document Number	0000028855
Instrument Date	Nov 20, 2019
Instrument	2019028855
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	578 STOKER DR, SAGINAW, MI 48604-2351

Mortgage

Document Number	0000028856
Date	Nov 25, 2019
Instrument	2019028856

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Dec 1, 2048

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Dec 16, 2019
Property Address	920 W WALNUT ST, SAINT CHARLES, MI 48655-1261
Document Number	0000030341
Instrument Date	Nov 20, 2018
Instrument	30341
Transaction Type	Transfer
Record Updated	Jan 6, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	579 STOKER DR SAGINAW MI 48604, SAGINAW, MI 48604

Tax Assessment & Valuation

The 2025 property tax bill for 920 W Walnut St was $2,799 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	St. Charles Township
Municipality	St. Charles Village
Unified School District	St. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$81,800	$163,600
2025	$2,799.00 Homeowner's exemption
2023		$61,100	$122,200
2022	$1,465.00

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

FEMA maps place 920 W Walnut St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	7 (1986–2026)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Apr 2026
Claims by Event	Severe Storms & Flooding, Sep 1986 · 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 920 W Walnut St is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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	VILLAGE OF ST. CHARLES serves 2,054 people · EPA ID MI0006260
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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