9593 Oakley Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 9593 Oakley Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,141 sqft · built 1996
Lot Size	18.6 acres (811,087 sqft)
Owner	Individual Name on File
Last Sale	$480,000 (Jul 2021)
Tax Bill	$9,646 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Nov 2017 Refinance
Flood Zone	Zone A (high risk)
APN	`24-10-3-07-3001-002`

Property Details

APN / Parcel Number

Primary APN	`24-10-3-07-3001-002`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	5,141 sqft Living Area
1st Floor Area	2,617 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	811,087 sqft (18.6 acres)
Garage Area	1,186 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	522 sqft
Deck Area	Deck Area
Patio Area	234 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9593 OAKLEY RD
City	SAINT CHARLES
State	MI
Zip	48655-9527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT W 1/4 CORN OF SEC 7 TH S 69.40 FT TO E 1/4 CORN OF SEC 12 T10N R2E TH S 249.10 FT TO POB TH N72DEG E 2868.28 FT TO N &
Legal Range	03E
Legal Township	10N
Legal Section	07
Jurisdiction	SAGINAW MI
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1024
Census Tract	12600

Owner

9593 Oakley Rd is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	9593 OAKLEY RD, SAINT CHARLES, MI 48655-9527
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
Jul 29, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Nov 6, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance SAGINAW CNTY ECU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2021 · Amount on File
Deed Sale	Jul 29, 2021 · Amount on File
Prior Sale	Dec 8, 2008 · Amount on File
Deed Document Number	202125496
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 29, 2021
Property Address	9593 OAKLEY RD, SAINT CHARLES, MI 48655-9527
Document Number	2021025496
Instrument Date	Jul 26, 2021
Instrument	2021025496
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9593 OAKLEY RD, 9593, SAINT CHARLES, MI 48655-9527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12571 MCKEIGHAN RD, SAINT CHARLES, MI 48655-8616

Mortgage

Document Number	2021025497
Date	Jul 29, 2021
Instrument	2021025497

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	9593 OAKLEY RD, SAINT CHARLES, MI 48655-9527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029888
Date	Nov 6, 2017
Instrument	2017029888

Lender

Name	SAGINAW CNTY ECU

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	49 Months
Due	Dec 1, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 9593 Oakley Rd was $9,646 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
Unified School District	St. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$387,500 (+11.45%)	$775,000 (+11.45%)
2025	$9,646.00 Homeowner's exemption	$347,700	$695,400
2023		$287,800	$575,600
2022	$7,890.00

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

Flood

FEMA maps place 9593 Oakley Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 9593 Oakley 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 93% of the US · lower than 83% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500

Cell Coverage

5G and 4G LTE (outdoors only)

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