Saginaw County property record for 923 Wheelock St, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,120 sqft |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $216,000 (Apr 2026) |
| Tax Bill | $2,314 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Nov 2018 Sale & Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-3-21-1362-000 |
| Primary APN | 29-13-3-21-1362-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 120 ft deep x 86 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 16 sqft |
| Deck Area | Deck Area |
| Patio Area | 196 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 923 WHEELOCK ST |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-9084 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 62 GUSTAV O ROESER SUB NO 2 SEC 21 T13N R3E |
| Legal Range | 03E |
| Legal Township | 13N |
| Legal Section | 21 |
| Legal Subdivision | GUSTAV O ROESER SUB |
| Legal Lot Number | 62 |
| Legal Unit | 62 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TITTABAWASSEE |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 10101 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 11081 GARDEN RDG, FREELAND, MI 48623-8506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Apr 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CREDIT UNION |
| Nov 19, 2018 | Warranty Deed, Transfer · Stand-Alone Refinance UNITED FINANCIAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2026 · Amount on Record |
| Deed Sale | Apr 30, 2026 · Amount on Record |
| Prior Sale | Nov 19, 2018 · Amount on Record |
| Deed Document Number | 202612066 |
| Prior Transfer Date | Aug 13, 2003 |
| Prior Transfer Doc | 0007189387 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Apr 30, 2026 |
| Property Address | 923 WHEELOCK ST, FREELAND, MI 48623-9084 |
| Document Number | 0000012066 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026.12066 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2026 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $163,620.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11081 GARDEN RDG, FREELAND, MI 48623-8506 |
| Document Number | 0000012067, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 2026..12067 |
| Name | LAKE MICHIGAN CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Nov 19, 2018 |
| Property Address | 923 WHEELOCK ST, FREELAND, MI 48623-9084 |
| Document Number | 2018028966 |
| Instrument Date | Nov 7, 2018 |
| Instrument | 2018028966 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 315 10TH ST, FREELAND, MI 48623-9081 |
| Investor | Possibly a Property Investor |
| Document Number | 0000028967 |
|---|---|
| Date | Nov 19, 2018 |
| Instrument | 2018028967 |
| Name | UNITED FINANCIAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Dec 1, 2046 |
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 | $87,400 (+7.9%) | $174,800 (+7.9%) | |
| 2025 | $2,314.00 (+24.27%) Homeowner's exemption | $81,000 (+39.66%) | $162,000 (+39.66%) |
| 2023 | $58,000 | $116,000 | |
| 2022 | $1,862.00 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% 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 188 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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