9968 Garner Ln, Freeland, MI 48623 Property Records

Saginaw County property record for 9968 Garner Ln, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,770 sqft · built 2015
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$487,500 (Oct 2025)
Tax Bill	$1,793 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-3-15-2146-000`

Property Details

APN / Parcel Number

Primary APN	`29-13-3-15-2146-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,770 sqft Living Area
1st Floor Area	1,770 sqft
Basement Area	1,770 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	158 ft deep x 127 ft wide
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	9968 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 46 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	46
Legal Unit	46
Jurisdiction	SAGINAW MI
Township / Civil Division	TITTABAWASSEE
Census Block Group	1
Census Block	1039
Census Tract	10101

Owner

Source: Saginaw County records, as of July 20, 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 Record
Mailing Address	9968 GARNER LN, FREELAND, MI 48623-8923
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2025 · Amount on Record
Deed Sale	Oct 22, 2025 · Amount on Record
Deed Document Number	202525014
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 22, 2025
Property Address	9968 GARNER LN, FREELAND, MI 48623-8923
Document Number	0000025014
Map Reference	LB 30 PG 26
Instrument Date	Oct 17, 2025
Instrument	2025025014
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	CROSSROADS TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,656.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9968 GARNER LN, FREELAND, MI 48623-8923

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9968 GARNER LN, FREELAND, MI 48623-8923

Mortgage

Document Number	0000025015
Date	Oct 22, 2025
Instrument	2025025015

Lender

Name	ISABELLA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2035
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	11.6%

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Tittabawassee Township
Unified School District	Freeland Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$219,900 (+9.4%)	$439,800 (+9.4%)
2025	$1,793.00 (-69.99%) Homeowner's exemption	$201,000 (+4.42%)	$402,000 (+4.42%)
2024	$5,975.00 (+21.47%)
2023		$192,500	$385,000
2022	$4,919.00

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.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 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	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

Violations Reported to EPA

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.

Internet Providers

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