9799 Kessler Dr, Saginaw, MI 48609 Property Records

Saginaw County property record for 9799 Kessler Dr, Saginaw, MI 48609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,664 sqft · built 1978
Lot Size	0.273 acres (11,892 sqft)
Owner	2 Individual Names on File
Last Sale	$226,000 (Sep 2022)
Tax Bill	$1,062 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-12-3-27-2161-000`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-27-2161-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,664 sqft Living Area
1st Floor Area	912 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,892 sqft (0.273 acres)
Lot Dimensions	120 ft deep x 99 ft wide
Garage Area	1,059 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Porch
Porch Area	52 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Storm Sewer

Location & Zoning

Street Address	9799 KESSLER DR
City	SAGINAW
State	MI
Zip	48609-9517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 11 BROOKHILL A PART OF THE NW 1/4 OF NW 1/4 SEC 27 T12N R3E
Legal Range	03E
Legal Township	12N
Legal Section	27
Legal Subdivision	BROOKHILL SUB
Legal Lot Number	11
Legal Unit	11
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	3
Census Block	3016
Census Tract	12003

Owner

Source: Saginaw County records · APN 28-12-3-27-2161-000

Assessment roll updated September 9, 2025 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	9799 KESSLER DR, SAGINAW, MI 48609-9517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 02, 2022 · Amount on Record
Deed Sale	Sep 02, 2022 · Amount on Record
Prior Sale	Aug 23, 1991 · Amount on Record
Deed Document Number	202223741
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 02, 2022
Property Address	9799 KESSLER DR, SAGINAW, MI 48609-9517
Document Number	0000023741
Map Reference	LB 15 PG 22
Instrument Date	Aug 19, 2022
Instrument	2022023741
Transaction Type	Transfer
Record Updated	Sep 16, 2022
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Tax	$1,695.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9799 KESSLER DR, 9799, SAGINAW, MI 48609-9517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8064 BROOKFIELD CT, SAGINAW, MI 48609-9534

Mortgage

Document Number	0000023742
Date	Sep 02, 2022
Instrument	2022023742

Lender

Name	THE STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Sep 01, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$110,900 (+22.14%)	$221,800 (+22.14%)
2025	$1,062.00 (-58.02%) Homeowner's exemption
2023		$90,800	$181,600
2022	$2,530.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1986)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1986 · Severe Storms & Flooding

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 74 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	THOMAS TOWNSHIP serves 11,931 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.