9305 Dice Rd, Freeland, MI 48623 Property Records

Saginaw County property record for 9305 Dice Rd, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,248 sqft · built 1900
Lot Size	0.454 acres (19,776 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Aug 2026)
Tax Bill	$1,684 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`28-12-3-10-1032-000`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-10-1032-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	952 sqft
Basement Area	592 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,776 sqft (0.454 acres)
Lot Dimensions	152 ft deep x 130 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	78 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9305 DICE RD
City	FREELAND
State	MI
Zip	48623-8815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	A PARCEL OF LAND IN NE FRL 1/4 OF SEC 10 T12N R3E DESC AS FOLLOWS BEG AT A PT ON THE N LINE OF SD SEC 10 886.02 FT DUE E
Legal Range	03E
Legal Township	12N
Legal Section	10
Legal Subdivision	1 SUBD
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	1
Census Block	1012
Census Tract	12002

Owner

9305 Dice Rd is owned and occupied by an individual who bought it in August 2026.

Source: Saginaw County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	9305 DICE RD, FREELAND, MI 48623-8815
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Aug 18, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Jan 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2026 · Amount on File
Deed Sale	Aug 18, 2026 · Amount on File
Deed Document Number	202621191
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 18, 2026
Property Address	9305 DICE RD, FREELAND, MI 48623-8815
Document Number	0000021191
Instrument Date	Aug 18, 2026
Instrument	202621191
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121,200.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9305 DICE RD, FREELAND, MI 48623-8815

Mortgage

Document Number	0000021192,
Date	Aug 18, 2026
Instrument	202621192

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	9305 DICE RD, FREELAND, MI 48623-8815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000224
Date	Jan 3, 2020
Instrument	2020000224

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 9305 Dice Rd was $1,684, up 3.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$75,100	$150,200
2025	$1,684.00 (+3.31%) Homeowner's exemption
2024	$1,630.00
2022	$225.00

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 9305 Dice Rd in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	9 (1978–2022)
Most Recent Claim	Aug 2022 · other causes
Claims by Event	Severe Storms And Flooding, May 2020 · 3 claims Severe Storms & Flooding, Sep 1986 · 3 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 9305 Dice Rd 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 97% of the US · lower than 93% 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	THOMAS TOWNSHIP serves 11,931 people · EPA ID MI0006580
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2023
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 85 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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