Saginaw County property record for 9945 Garner Ln, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,902 sqft · built 2005 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $247,400 (Jun 2005) |
| Tax Bill | $5,840 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-3-15-2104-000 |
| Primary APN | 29-13-3-15-2104-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,902 sqft Living Area |
| 1st Floor Area | 1,902 sqft |
| Basement Area | 1,902 sqft |
| Unfinished Basement | 1,902 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,056 sqft (0.69 acres) |
| Lot Dimensions | 240 ft deep x 125 ft wide |
| Garage Area | 364 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Porch |
| Porch Area | 436 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 9945 GARNER LN |
|---|---|
| City | FREELAND |
| State | MI |
| Zip | 48623-8923 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1-AGRI |
| Legal Description | LOT 4 GARNER PLACE SUBDIVISION NO 1 SEC 15 T13N R3E ***NEW # SPLIT FROM PARENTS 2001-000 003 004 005 & 014 ***1/21/04 |
| Legal Range | 03E |
| Legal Township | 13N |
| Legal Section | 15 |
| Legal Subdivision | PLACE SUBDIVISION |
| Legal Lot Number | 4 |
| Legal Unit | 4 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TITTABAWASSEE |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 10101 |
9945 Garner Ln is owned and occupied by two individuals who acquired it in November 2013.
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9945 GARNER LN, FREELAND, MI 48623-8923 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2005 · Amount on File |
| Deed Sale | Jun 2, 2005 · Amount on File |
| Prior Sale | May 19, 2005 · Amount on File |
| Deed Book / Page | 2313 / 299 |
| Last Transfer Date | Nov 22, 2013 |
| Transfer Doc | 0000002367 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 9945 Garner Ln was $5,840 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Tittabawassee Township |
| Unified School District | Freeland Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $212,900 | $425,800 | |
| 2025 | $5,840.00 Homeowner's exemption | ||
| 2023 | $186,300 | $372,600 | |
| 2022 | $4,653.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9945 Garner Ln in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 1 in force |
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 risk around 9945 Garner Ln 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 99.1% of the US · lower than 98.4% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TITTABAWASSEE TOWNSHIP serves 9,227 people · EPA ID MI0002470 |
|---|---|
| Water Source | Purchased surface water from CITY OF SAGINAW |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2018 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| LakeNet Fiber | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
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