9878 Elms Rd, Birch Run, MI 48415 Property Records

Saginaw County property record for 9878 Elms Rd, Birch Run, MI 48415

Property Summary

Property Type	Manufactured or Modular Home
Details	2 ba · 1,794 sqft · built 1995
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$54,844 (Jun 2018)
Tax Bill	$2,924 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-10-5-12-4002-006`

Property Details

APN / Parcel Number

Primary APN	`27-10-5-12-4002-006`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,794 sqft Living Area
1st Floor Area	1,794 sqft
Basement Area	442 sqft
Unfinished Basement	142 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Modular
Exterior Material	Wood Siding
Lot Area	130,680 sqft (3 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	168 sqft
Patio Area	648 sqft
Total Buildings	8 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9878 ELMS RD
City	BIRCH RUN
State	MI
Zip	48415-8481
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	COM AT S 1/4 CORN OF SEC 12 TH E 1312.27 FT TO E 1/8 LINE TH N 577.36 FT TO POB TH W 844.52 FT TH N 154.80 FT TH E 843.24 FT
Legal Range	05E
Legal Township	10N
Legal Section	12
Jurisdiction	SAGINAW MI
Township / Civil Division	TAYMOUTH
Census Block Group	1
Census Block	1028
Census Tract	13000

Owner

9878 Elms Rd, a residential property, is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	9878 ELMS RD, BIRCH RUN, MI 48415-8481
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
Mar 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage ELGA CREDIT UNION
Nov 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage ELGA CU
Jun 29, 2018	Warranty Deed, Transfer ELGA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2018 · Amount on File
Deed Sale	Jun 29, 2018 · Amount on File
Prior Sale	Mar 20, 2014 · Amount on File
Deed Document Number	201818366
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	9878 ELMS RD, BIRCH RUN, MI 48415-8481
Transaction Type	Mortgage
Record Updated	Apr 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9878 ELMS RD, BIRCH RUN, MI 48415-8481

Mortgage

Document Number	0000005205
Date	Mar 21, 2023
Instrument	2023005205

Lender

Name	ELGA CREDIT UNION
Type	Credit Union
Address	48339

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 13, 2038

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	9878 ELMS RD, BIRCH RUN, MI 48415-8481
Document Number	0000027686
Instrument Date	Nov 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 29, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9878 ELMS RD BIRCH RUN MI 484158481, BIRCH RUN, MI 48415-8481

Mortgage

Document Number	0000027686
Date	Nov 12, 2019
Instrument	27686

Lender

Name	ELGA CU
Type	Credit Union
Address	BURTON, MI 48519

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 11, 2034

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 29, 2018
Property Address	9878 ELMS RD, BIRCH RUN, MI 48415-8481
Document Number	0000018366
Instrument Date	Jun 18, 2018
Instrument	18366
Transaction Type	Transfer
Record Updated	Jul 18, 2018
Title Company	ASK SERVICES INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54.84
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9878 ELMS RD BIRCH RUN MI 484158481, BIRCH RUN, MI 48415-8481

Mortgage

Document Number	18368
Date	Jun 29, 2018
Instrument	18368

Lender

Name	ELGA CU
Type	Credit Union
Address	BURTON, MI 48519

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jun 28, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 9878 Elms Rd was $2,924 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	Taymouth Township
Unified School District	Birch Run Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$132,100	$264,200
2025	$2,924.00 Homeowner's exemption
2023		$103,800	$207,600
2022	$2,373.00

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

Flood

FEMA maps place 9878 Elms Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1986.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1986–2017)
Most Recent Claim	Apr 2017 · rainfall accumulation

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 9878 Elms Rd is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BIRCH RUN TOWNSHIP serves 2,080 people · EPA ID MI0000722
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Oct 2025
Lead	1 ppb (2023) 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

Nearby Properties on Elms Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures