Saginaw County property record for 9974 Gratiot Rd, Saginaw, MI 48609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,800 sqft · built 2018 |
| Lot Size | 0.98 acres (42,689 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $20,005 (Jul 2010) |
| Tax Bill | $5,069 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage May 2018 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-12-3-27-2011-000 |
| Primary APN | 28-12-3-27-2011-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 1,800 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Composition/Composite |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 42,689 sqft (0.98 acres) |
| Garage Area | 2,113 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Porch |
| Porch Area | 9 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 9974 GRATIOT RD |
|---|---|
| City | SAGINAW |
| State | MI |
| Zip | 48609-9407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | W 198 FT OF S 425 FT OF NW 1/4 EXC COM 200 FT N OF W 1/4 POST OF SEC 27 TH S 200 FT TH E 300 FT TH NW LY TO PLACE OF BEG |
| Legal Range | 03E |
| Legal Township | 12N |
| Legal Section | 27 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | THOMAS |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 12003 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 9974 GRATIOT RD, SAGINAW, MI 48609-9407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| May 1, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage CHEMICAL BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 9, 2010 · Amount on Record |
| Deed Sale | Jul 9, 2010 · Amount on Record |
| Prior Sale | Nov 13, 2009 · Amount on Record |
| Deed Document Number | 201020710 |
| Deed Book / Page | 2584 / 2054 |
| Prior Transfer Date | May 28, 2010 |
| Prior Transfer Doc | 0000017178 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 9974 GRATIOT RD, SAGINAW, MI 48609-9407 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000011886 |
|---|---|
| Date | Apr 27, 2020 |
| Instrument | 2020011886 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2040 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 1, 2018 |
| Property Address | 9974 GRATIOT RD, SAGINAW, MI 48609-9407 |
| Instrument Date | Apr 25, 2018 |
| Instrument | 12939 |
| Transaction Type | Construction Loan |
| Record Updated | May 14, 2018 |
| Name | Verified Name |
|---|---|
| Address | 220 MILLER CT SAGINAW MI 486094880, SAGINAW, MI 48609-4880 |
| Document Number | 0000012939 |
|---|---|
| Date | May 1, 2018 |
| Instrument | 12939 |
| Name | CHEMICAL BK |
|---|---|
| Type | Bank |
| Address | WYOMING, MI 49519 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 30, 2048 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Thomas Township |
| Unified School District | Hemlock Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $170,800 (+29.98%) | $341,600 (+29.98%) | |
| 2025 | $5,069.00 (+20.18%) Homeowner's exemption | ||
| 2023 | $131,400 | $262,800 | |
| 2022 | $4,218.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 1 (1986) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 1986 · Severe Storms & Flooding |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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 | THOMAS TOWNSHIP serves 11,931 people · EPA ID MI0006580 |
|---|---|
| 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, 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 74 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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