Saginaw County property record for 9983 Garner Ln, Freeland, MI 48623
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,241 sqft · built 2012 |
| Lot Size | 0.77 acres (33,541 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $575,000 (Oct 2025) |
| Tax Bill | $6,636 (2025) |
| Deeds & Mortgages | May 2026 Sale Nov 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-3-15-2101-000 |
| Primary APN | 29-13-3-15-2101-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,241 sqft Living Area |
| 1st Floor Area | 2,241 sqft |
| Basement Area | 2,241 sqft |
| Unfinished Basement | 2,241 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 33,541 sqft (0.77 acres) |
| Lot Dimensions | 240 ft deep x 140 ft wide |
| Garage Area | 1,187 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 434 sqft |
| Patio Area | 3,080 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 9983 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 1 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 | 1 |
| Legal Unit | 1 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | TITTABAWASSEE |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 10101 |
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 9983 GARNER LN, FREELAND, MI 48623-8923 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| May 14, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Nov 13, 2025 | Deed of Trust, Mortgage · Line of Credit DOW CU |
| Jun 16, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage WILDFIRE CU |
| Oct 8, 2025 | Warranty Deed, Transfer · Conventional Mortgage WILDFIRE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2025 · Amount on Record |
| Deed Sale | Oct 8, 2025 · Amount on Record |
| Prior Sale | Mar 30, 2015 · Amount on Record |
| Deed Document Number | 202523890 |
| Prior Transfer Date | Oct 4, 2012 |
| Prior Transfer Doc | 0000031711 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 14, 2026 |
| Property Address | 9983 GARNER LN, FREELAND, MI 48623-8923 |
| Document Number | 0000013133 |
| Instrument Date | May 11, 2026 |
| Instrument | 202613133 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 9983 GARNER LN, FREELAND, MI 48623-8923 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 9983 GARNER LN, FREELAND, MI 48623-8923 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2025 |
| Name | Verified Name |
|---|---|
| Address | 9983 GARNER LN, FREELAND, MI 48623-8923 |
| Document Number | 0000026544 |
|---|---|
| Date | Nov 13, 2025 |
| Instrument | 2025026544 |
| Name | DOW CU |
|---|---|
| Type | Credit Union |
| Address | 600 E LYON RD, MIDLAND, MI 48640 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 9983 GARNER LN, FREELAND, MI 48623-8923 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 9983 GARNER LN, FREELAND, MI 48623-8923 |
| Document Number | 0000014300 |
|---|---|
| Date | Jun 16, 2025 |
| Instrument | 2025014300 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | 6640 BAY RD, SAGINAW, MI 48604 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Jul 1, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Oct 8, 2025 |
| Property Address | 9983 GARNER LN, FREELAND, MI 48623-8923 |
| Document Number | 0000023890 |
| Map Reference | LB 30 PG 26 |
| Instrument Date | Oct 2, 2025 |
| Instrument | 2025023890 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | CROSSROADS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,312.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9983 GARNER LN, FREELAND, MI 48623-8923 |
| Name | Verified Name |
|---|---|
| Address | 9983 GARNER LN, FREELAND, MI 48623-8923 |
| Document Number | 0000023891 |
|---|---|
| Date | Oct 8, 2025 |
| Instrument | 2025023891 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
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 | $276,500 (+9.5%) | $553,000 (+9.5%) | |
| 2025 | $6,636.00 (+3.35%) Homeowner's exemption | $252,500 (+4.34%) | $505,000 (+4.34%) |
| 2024 | $6,421.00 (+21.54%) | ||
| 2023 | $242,000 | $484,000 | |
| 2022 | $5,283.00 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% 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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