Saginaw County property record for 9965 Kessler Dr, Saginaw, MI 48609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,312 sqft · built 1969 |
| Lot Size | 0.273 acres (11,892 sqft) |
| Owner | Individual Name on File |
| Last Sale | $193,500 (Apr 2023) |
| Tax Bill | $1,089 (2025) |
| Deeds & Mortgages | Apr 2023 Sale Jun 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-12-3-27-2152-000 |
| Primary APN | 28-12-3-27-2152-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,312 sqft Living Area |
| 1st Floor Area | 1,312 sqft |
| Basement Area | 1,312 sqft |
| Unfinished Basement | 1,312 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| 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 | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 25 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Storm Sewer |
| Street Address | 9965 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 2 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 |
| Legal Lot Number | 2 |
| Legal Unit | 2 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | THOMAS |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 12003 |
Source: Saginaw County records · APN 28-12-3-27-2152-000
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 | Individual Name on File |
|---|---|
| Mailing Address | 9965 KESSLER DR, SAGINAW, MI 48609-9517 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2023 | Warranty Deed, Transfer DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY |
| Jun 17, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| May 11, 2020 | Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS |
| May 16, 2017 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 20, 2023 · Amount on Record |
| Deed Sale | Apr 20, 2023 · Amount on Record |
| Prior Sale | Jun 17, 2021 · Amount on Record |
| Deed Document Number | 20239969 |
| Prior Transfer Date | Jul 18, 2002 |
| Prior Transfer Doc | 0007097193 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Apr 20, 2023 |
| Property Address | 9965 KESSLER DR, SAGINAW, MI 48609-9517 |
| Document Number | 0000009969 |
| Map Reference | LB 15 PG 22 |
| Instrument Date | Apr 17, 2023 |
| Instrument | 2023009969 |
| Transaction Type | Transfer |
| Record Updated | May 04, 2023 |
| Title Company | DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,451.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9965 KESSLER DR, SAGINAW, MI 48609-9517 |
| Name | Verified Name |
|---|---|
| Address | 10340 LAKEWOOD DR, SAGINAW, MI 48609-9753 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jun 17, 2021 |
| Property Address | 9965 KESSLER DR, SAGINAW, MI 48609-9517 |
| Document Number | 2021021702 |
| Map Reference | LB 15 PG 22 |
| Instrument Date | Jun 11, 2021 |
| Instrument | 2021021702 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,275.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9965 KESSLER DR, 9965, SAGINAW, MI 48609-9517 |
| Name | Verified Name |
|---|---|
| Address | 9965 KESSLER, TRACY, CA 95377 |
| Document Number | 0000021353 |
|---|---|
| Date | Jun 15, 2021 |
| Instrument | 2021021353 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 11, 2020 |
| Property Address | 9965 KESSLER DR, SAGINAW, MI 48609-9517 |
| Document Number | 0000012818 |
| Instrument Date | May 04, 2020 |
| Instrument | 12818 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2020 |
| Title Company | HOMELAND TITLE, HOMELAND TITLE SERVICE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $145.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7700 N WHEELER RD WHEELER MI 486629758, WHEELER, MI 48662-9758 |
| Document Number | 12819 |
|---|---|
| Date | May 11, 2020 |
| Instrument | 12819 |
| Name | NEIGHBORHOOD LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | DOWNERS GROVE, IL 60515 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 16, 2017 |
| Property Address | 9965 KESSLER DR, SAGINAW, MI 48609-9517 |
| Document Number | 0000016211 |
| Instrument Date | May 08, 2017 |
| Instrument | 16211 |
| Transaction Type | Transfer |
| Record Updated | Jun 09, 2017 |
| Title Company | HOMELAND TITLE, HOMELAND TITLE SERVICE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $119.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 349 S HELEN MOORE RD #5103 SAN BENITO TX 785869090, 5103, SAN BENITO, TX 78586-9090 |
| Document Number | 16212 |
|---|---|
| Date | May 16, 2017 |
| Instrument | 16212 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 15, 2047 |
Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Thomas Township |
| Unified School District | Hemlock Public School District (PK - 12) |
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 | $114,700 (+35.74%) | $229,400 (+35.74%) | |
| 2025 | $1,089.00 (-62.32%) Homeowner's exemption | ||
| 2023 | $84,500 | $169,000 | |
| 2022 | $2,890.00 |
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
| 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 Risk | Low lower than 96% of the US · lower than 91% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
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.
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 |
| 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.
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