965 Saganing Rd, Bentley, MI 48613 Property Records

Bay County property record for 965 Saganing Rd, Bentley, MI 48613

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,056 sqft · built 1970
Lot Size	9.99 acres (435,164 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Oct 2026)
Tax Bill	$1,497 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Oct 2025 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-035-100-005-03`

Property Details

APN / Parcel Number

Primary APN	`060-035-100-005-03`

Interior

Full Baths	1 Bath
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Foundation Type	Raised
Lot Area	435,164 sqft (9.99 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	965 SAGANING RD
City	BENTLEY
State	MI
Zip	48613-9698
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 208 FT E OF NW COR OF SEC TH S 963 FT TH E 452 FT TH N 963 FT TH W 452 FT TO BEG. SEC.35,T18N,R3E 1-28-92
Jurisdiction	BAY MI
Township / Civil Division	GIBSON
Census Block Group	1
Census Block	1054
Census Tract	286400

Owner

Source: Bay County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	554 W NORTH UNION RD, AUBURN, MI 48611-9586
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Oct 31, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED BAY COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2026 · Amount on Record
Deed Sale	Oct 2, 2026 · Amount on Record
Deed Document Number	202612929
Prior Transfer Date	Nov 15, 2010
Prior Transfer Doc	2776000150
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Oct 2, 2026
Property Address	965 SAGANING RD, BENTLEY, MI 48613-9698
Document Number	0000012929
Instrument Date	Sep 30, 2026
Instrument	202612929
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	A TITLE AND ESCROW, OGEMAW COUNTY TITLE & ESCROW A

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$223,462.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 W NORTH UNION RD, AUBURN, MI 48611-9586

Mortgage

Document Number	0000012930,
Date	Oct 2, 2026
Instrument	202612930

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	965 SAGANING RD, BENTLEY, MI 48613-9698
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 SAGANING RD, BENTLEY, MI 48613-9698

Mortgage

Document Number	0000013710
Date	Oct 31, 2025
Instrument	202513710

Lender

Name	UNITED BAY COMMUNITY CU
Type	Credit Union
Address	BAY CITY, MI 48706

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2040

Tax Assessment & Valuation

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Gibson Township
Unified School District	Pinconning Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,497.00 (+17.04%) Homeowner's exemption	$68,000 (+22.74%)	$136,000 (+22.74%)
2023		$55,400	$110,800
2022	$1,279.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 17, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fixed Wireless	1,000 / 500

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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