Saginaw County, Michigan — Tax Sale & Surplus Procedure

Local operations layer. The legal framework (redemption periods, surplus rights, statutes, case law) lives on the parent page → michigan. This page covers how Saginaw County actually runs it. Legal information, not legal advice. Last verified: 2026-06-02.

C0. Identity

• County seat: Saginaw
• Population: ~190,140
• Recording unit: county. Register of Deeds = Katie Albosta Kelly (a separate office from the County Clerk — unlike some Michigan counties that combine the two). County Clerk = Vanessa Guerra (Vital Records, Elections, and Circuit Court Records divisions).
• FIPS: 26145
• Parent legal framework: michigan — Michigan is a tax-deed, judicial in-rem foreclosure state under the General Property Tax Act (GPTA / Public Act 123 of 1999, 1893 PA 206, MCL 211.78 series). The county treasurer is the Foreclosing Governmental Unit (“FGU”); Saginaw County is a self-foreclosing county (the Saginaw County Treasurer, not the State/DNR, forecloses and sells). Title vests by judgment of foreclosure entered in the 10th Judicial Circuit Court (Saginaw County Circuit Court); there is no post-judgment redemption after March 31 and no tax-lien certificates. All statutory framework is inherited from michigan; the sections below are the local operational layer only.
• Notable — namesake of the leading Michigan surplus class action: Saginaw County is the named lead defendant in Fox v. Saginaw County, No. 1:19-cv-11887 (E.D. Mich.) (before District Judge Thomas L. Ludington), the federal class action — affirmed in part by the Sixth Circuit in 2023 — alleging unconstitutional retention of tax-foreclosure surplus proceeds across ~28 Michigan counties for foreclosures in 2013–2020. A settlement claims process with a July 16, 2026 deadline runs through surplusproceedssettlement.com (see C3, Track B). This is the same Rafaeli-era surplus reckoning reflected in michigan §3. Source: https://www.courtlistener.com/docket/15832704/fox-v-saginaw-county-of/; https://www.saginawcountymi.gov/departments/treasurer/

C1. Local Tax Sale

• Conducts own sale? Yes. The Saginaw County Treasurer acts as FGU, forecloses under the GPTA through a Judgment of Foreclosure entered by the 10th Circuit Court, then sells the foreclosed parcels at public auction. The Treasurer also chairs the Saginaw County Land Bank Authority, which manages tax-foreclosed properties (see C10). Source: https://www.saginawcountymi.gov/departments/treasurer/
• Platform: Tax-Sale.info (online; Title Check, LLC — the same platform used by many Michigan counties). Saginaw County’s auction catalog is at https://www.tax-sale.info/listings/catalog/1379. All auctions are conducted online. Platform help line: 1-800-259-7470. Sources: https://www.tax-sale.info/listings/catalog/1379; https://www.tax-sale.info/auctions
• Calendar:
  • Frequency: Annual. The county’s own PA 123 timeline states the foreclosed inventory is “offered at public auction” in August or September following the March 31 redemption-rights expiration, within the GPTA statutory window of the third Tuesday in July through the first Tuesday in November (MCL 211.78m(2); see michigan).
  • 2026 scheduled auction date (Saginaw County primary sale): September 2, 2026, 10:00 a.m.–7:00 p.m. EDT (online, tax-sale.info).
  • Tax-sale.info also runs platform-wide re-offer (Sept 25, 2026) and no-reserve (Oct 30, 2026) rounds for unsold inventory across counties.
  • Full Saginaw property listings were “Full Listings Not Yet Available” on tax-sale.info as of 2026-06-02; check the catalog (link above) when posted. Sources: https://www.tax-sale.info/auctions (Saginaw Sept 2, 2026, 10am–7pm EDT, retrieved 2026-06-02); https://www.saginawcountymi.gov/departments/treasurer/information-for-property-owners/ (Aug/Sept auction language)
• Minimum bid: the amount of tax, interest, and fees uncollected; properties sold to the highest bidder at or above the minimum bid (county PA 123 timeline). Source: https://www.saginawcountymi.gov/departments/treasurer/information-for-property-owners/
• Rate within statutory range: N/A locally — forfeiture additional interest (1.5%/month at the forfeiture stage) and the $354 forfeiture fee are applied per the GPTA / PA 123 schedule. (Saginaw's stated forfeiture fee of $354 is the local figure used on its own timeline; the michigan page cites the statutory $175 base — the difference reflects additional county/ statutory add-ons compiled into Saginaw’s published forfeiture charge → see C5/needs_verification.) Source: https://www.saginawcountymi.gov/departments/treasurer/information-for-property-owners/
• Registration & deposit / bidder requirements:
  • Online registration at tax-sale.info required; deposit amount and buyer’s premium for Saginaw County’s 2026 cycle were not published on the catalog as of 2026-06-02 (listings “Not Yet Available”) → needs_verification. Platform-wide norm on tax-sale.info (corroborated at adjacent Michigan counties) is a refundable deposit/pre-authorization plus a buyer’s premium, but Saginaw’s specific terms must be confirmed when posted.
  • Statewide GPTA bidder rules apply: purchasers execute the MCL 211.78m(5) anti-collusion affidavit (no more than a minimal interest in delinquent property in the county; no unpaid civil fines). See michigan §11b. Source: https://www.tax-sale.info/auctions
• Delinquent list / payment location:
  • Online delinquent property-tax payment is processed through a third party, G2G Cloud Solutions (an enhanced-access fee applies); accessible via the Treasurer’s “Pay Delinquent Property Taxes” page.
  • In person / by mail: Saginaw County Treasurer, 111 S. Michigan Avenue, Room 107, Saginaw, MI 48602.
  • A downloadable parcel-level delinquency roster was not located on the Treasurer’s official pages as of 2026-06-02 → needs_verification. Source: https://www.saginawcountymi.gov/departments/treasurer/pay-delinquent-property-taxes/

C2. Local Redemption → framework: right-of-redemption

• Where/how to redeem locally: Pay all delinquent taxes, interest, penalties, and fees (including the $354 forfeiture fee and 1.5%/month forfeiture interest) to the Saginaw County Treasurer’s Office, 111 S. Michigan Avenue, Room 107, Saginaw, MI 48602, (989) 790-5225, before the March 31 deadline. Payment options: in person (cash, money order, certified check, and — for first-year delinquents up to Jan 1 — personal checks; Visa/MasterCard/Discover), by mail, or online via G2G Cloud Solutions. Source: https://www.saginawcountymi.gov/departments/treasurer/pay-delinquent-property-taxes/
• Deadline: Inherited from state law — on or before March 31 immediately succeeding the judgment of foreclosure (or within 21 days if contested). After that date the judgment is final and title vests absolutely in the Treasurer (MCL 211.78k). No post-auction redemption exists for tax deeds. Saginaw’s own timeline states “March 31: Redemption rights expire. The owner loses all rights to property.” See michigan. Source: https://www.saginawcountymi.gov/departments/treasurer/information-for-property-owners/
• Local fees / credit-card payoff caveat: A voided/declined card payment reapplies all interest and forfeiture fees retroactively; if a redemption certificate was already recorded, a $20 correction fee is added (county Credit Card Payment Policy). Discrete county administrative add-ons beyond the state-mandated forfeiture fee/interest → needs_verification. Source: https://www.saginawcountymi.gov/departments/treasurer/pay-delinquent-property-taxes/
• Redemption contact: Saginaw County Treasurer — Tim N. Novak — (989) 790-5225; 111 S. Michigan Ave., Room 107, Saginaw, MI 48602. Source: https://www.saginawcountymi.gov/departments/treasurer/
• Deviations from state default: None identified — Saginaw follows the GPTA March 31 cutoff with no post-auction redemption for tax deeds.

C3. Local Surplus / Excess Proceeds → framework: surplus-funds

Business-critical module. Saginaw County has TWO concurrent surplus tracks: (1) the ongoing MCL 211.78t / Form 5743 → Form 5744 → CC 540 process for 2021-onward foreclosures, and (2) the Fox v. Saginaw County class-action settlement covering 2013–2020 foreclosures (Saginaw is the named defendant).

Track A — Ongoing (2021+ foreclosures): MCL 211.78t process

Saginaw describes the standard three-step state process on its “Claiming Interest in Foreclosure Sale Proceeds” / “Information for Property Owners” pages:

Step 1 — Notice of Intention (Form 5743):

• Form: Michigan Department of Treasury Form 5743 — “Notice of Intention to Claim Interest in Foreclosure Sales Proceeds.” The county links the form directly to the State PDF: https://www.michigan.gov/taxes/-/media/Project/Websites/taxes/Forms/Property-Tax/5743.pdf
• Where to file (Step 1): Serve the notarized Form 5743 on the Saginaw County Treasurer (FGU):

  111 S. Michigan Avenue, Room 107, Saginaw, MI 48602 · (989) 790-5225

• Deadline (Step 1): July 1 immediately following the effective date of the foreclosure (MCL 211.78t(2)). Missing this deadline forfeits all rights to remaining proceeds. Source: https://www.saginawcountymi.gov/departments/treasurer/information-for-property-owners/

Step 2 — FGU response (Form 5744):

• The FGU (Saginaw County Treasurer) responds by January 31 following the foreclosure auctions with Form 5744 (“Notice to Claimant to File Motion with the Circuit Court”) if surplus proceeds remain for the parcel. Saginaw expressly documents sending Form 5744 — a detail not all FGUs publish. Source: https://www.saginawcountymi.gov/departments/treasurer/information-for-property-owners/

Step 3 — Circuit Court Motion (Form CC 540):

• Form: Michigan SCAO Form CC 540 — “Motion to Claim Remaining Proceeds From Tax Foreclosure Sale” (the county references the “New Form CC 540”).
• Where to file (Step 3): File the motion in the 10th Judicial Circuit Court (Saginaw County Circuit Court), in the same in-rem foreclosure proceeding (MCL 211.78t(4)):

  Records & Case Filing (Clerk), 111 S. Michigan Avenue, Saginaw, MI 48602 · (989) 790-5540

• Deadline (Step 3): February 1 through May 15 following the FGU’s notice (MCL 211.78t(4); confirmed current per barry-county-treasurer-foreclosure-2024 — older “October 1” references are stale; see michigan).
• The court then sets a hearing to determine claim payments. Source: https://www.saginawcountymi.gov/departments/treasurer/information-for-property-owners/

Track B — Historical (2013–2020 foreclosures): Fox v. Saginaw County Settlement

• Case: Fox, et al. v. Saginaw County, et al., No. 1:19-cv-11887, U.S. District Court for the Eastern District of Michigan (Judge Thomas L. Ludington). Saginaw is the named lead defendant; ~28 Michigan counties are covered. Plaintiff Thomas A. Fox alleged unconstitutional retention of surplus tax-foreclosure proceeds; the class was certified Oct 16, 2020 and the Sixth Circuit ruled on appeal in 2023. Sources: https://www.courtlistener.com/docket/15832704/fox-v-saginaw-county-of/; https://www.saginawcountymi.gov/departments/treasurer/
• Who qualifies: Persons/entities that held an ownership interest (and, per the county’s own page, mortgage and lien holders for the 2015–2020 window) in a Saginaw County property foreclosed for taxes 2013–2020 and sold for more than the taxes and expenses owed.
• Recovery: 125% of the property’s surplus proceeds, minus attorneys’ fees and costs (subject to adjustment).
• Claim filing deadline: July 16, 2026. (For the covered period this supersedes the ordinary MCL 211.78t process.)
• Filing portal: https://www.surplusproceedssettlement.com/ (forms, instructions, and an online claims portal). Class members should have received a mailed notice; those who did not can contact the claims administrator through the settlement website.
• Fairness / final-approval hearing: September 23, 2026, 2:00 p.m., U.S. District Court, Bay City, Michigan.
• Exclusion / objection deadline: April 30, 2026 (already passed; possible extension noted in the settlement Notice). Sources: https://www.surplusproceedssettlement.com/ (retrieved 2026-06-02); https://www.saginawcountymi.gov/departments/treasurer/
• Note on retroactivity: Saginaw’s own page states a pre-2021 claim under the ordinary 78t process may be made “only if the Michigan Supreme Court orders that its decision in Rafaeli, LLC v Oakland County applies retroactively” — i.e., outside the Fox settlement, the pre-2021 path remains contingent. See rafaeli-v-oakland-county-2020 and michigan. Source: https://www.saginawcountymi.gov/departments/treasurer/information-for-property-owners/

Unclaimed Surplus

• No dedicated public roster of unclaimed remaining proceeds was located on Saginaw County’s official website at verification → needs_verification.
• Under MCL 211.78t(2), failure to timely file Form 5743 forfeits the claim and the FGU retains the proceeds. The ultimate fate of unclaimed 78t proceeds is an open question (see michigan open questions).

▸ For Investors / Operators — Surplus here is adjudicated in the 10th Circuit Court in the in-rem foreclosure case (Form CC 540), and the FGU is the Saginaw County Treasurer — that is the venue and counterparty you will encounter. Before committing capital see michigan §5b for the marketable-title path (quiet title is commonly required after a Michigan tax deed despite MCL 211.78k(6) finality), §7b for surviving interests (the Part 201 environmental super-lien and the IRS § 7425 120-day redemption), and §11b for the layered right of first refusal that lets the Land Bank / local units pull a parcel before auction — when that happens with no public auction, the former-owner remedy is Rafaeli inverse condemnation, not 78t (see jackson-v-southfield-2025).

▸ For Former Owners — If your Saginaw County property was foreclosed and sold for more than you owed, the surplus may be yours. For 2021+ foreclosures use the three-step state process above (Form 5743 by July 1 → the Treasurer’s Form 5744 by Jan 31 → motion CC 540 in the Feb 1–May 15 window — missing a deadline bars recovery). For 2013–2020 foreclosures, file through the Fox v. Saginaw County settlement at surplusproceedssettlement.com by July 16, 2026.

C4. Offices & Contacts

Notes:

• Register of Deeds and County Clerk are separate offices in Saginaw County (Katie Albosta Kelly vs. Vanessa Guerra). The Register records deeds, mortgages, liens, and sheriff’s deeds; the Clerk’s Circuit Court Records Division holds the in-rem foreclosure and 78t/CC 540 case files.
• Tax-sale FGU: Saginaw County Treasurer (not the Sheriff or State/DNR).
• Sheriff’s role: Handles mortgage foreclosure-by-advertisement (sheriff’s sales) and civil process; a dedicated civil-unit direct line for sheriff’s-sale inquiries was not separately confirmed from retrieved pages → needs_verification.
• Land Bank’s role: chaired by the Treasurer; acquires properties not sold at the tax auction and sells them through its own public site (see C10).

C5. Local Procedure Notes

• Platform: Saginaw County uses Tax-Sale.info (Title Check, LLC) for tax foreclosure auctions, conducted online; 2026 Saginaw primary sale Sept 2, 2026 with platform-wide re-offer (Sept 25) and no-reserve (Oct 30) rounds.
• Published PA 123 forfeiture/foreclosure schedule (county’s own, for the 2024 tax year): delinquency turned over to Treasurer March 1 (4% admin fee + 1%/month interest) → first/second mailed notices (June 1 / Sept 1) → $15/parcel fee Oct 1 → certified-mail third notice (Feb 1) → forfeiture March 1 ($354 fee + interest rises to 1.5%/month) → title search (Mar–May) → certified + personal notice → circuit-court hearing → judgment of foreclosure ~March 1 (quieting title, 31 days to redeem) → redemption expires March 31 → public auction Aug/Sept. This mirrors the GPTA cycle in michigan §5. Source: https://www.saginawcountymi.gov/departments/treasurer/information-for-property-owners/
• Forfeiture-fee figure: Saginaw publishes a $354 forfeiture fee; the GPTA statutory base cited on michigan is $175 (MCL 211.78g). The county figure presumably bundles additional recording/title/statutory charges into the published forfeiture cost; exact composition not itemized on retrieved pages → needs_verification.
• No upset bid / no judicial confirmation of the tax-auction sale. Finality comes from the March 31 redemption cutoff; no post-sale redemption for tax deeds.
• Right of first refusal: Before any parcel reaches public auction, the State, then city/village/township, then the county (and, in practice, the Land Bank) may purchase at the greater of fair market value or minimum bid (MCL 211.78m(1)). Where a unit takes the parcel with no public auction, MCL 211.78t does not supply the surplus remedy — see jackson-v-southfield-2025 and michigan.
• Dual surplus tracks: As of 2026-06-02, Saginaw former owners face the ongoing MCL 211.78t / CC 540 process (2021+ foreclosures) and the Fox v. Saginaw County federal settlement (2013–2020), the latter with a July 16, 2026 claim deadline.

C6. Records Access

C8. Title & Quiet Title → framework: michigan §5b, quiet-title-after-tax-sale

• Title type: tax_deed. The FGU conveys a fee-simple deed by statutory conveyance after the MCL 211.78m auction; no tax-lien certificates exist in Michigan. See michigan §7.
• Quiet title action: Commonly required as a practical matter, not by local statute. Title insurers typically require a quiet-title action (or seasoning) after a Michigan GPTA tax deed before insuring, given the constitutional-notice risk recognized in sidun-v-wayne-county-treasurer-2008. The action is judicial, brought in the 10th Judicial Circuit Court (Saginaw County) under MCL 600.2932 / MCR 3.411 (with the MCL 211.79a expedited route for abandoned property). See michigan §5b. Source (court venue): https://www.saginawcountymi.gov/courts-public-safety/courts/10th-circuit-court/
• Typical timeline: Uncontested quiet title in Michigan circuit court runs ~90–120 days (add 6–8 weeks if service by publication); contested 6–12+ months. (Michigan-general figure inherited from michigan §5b; a Saginaw-specific docket timing was not separately pinned → needs_verification.)
• Typical cost range: ~$2,500–$6,000 uncontested (attorney + filing + service/publication); contested can exceed $10,000–$15,000 (Michigan-general, per michigan §5b). Saginaw filing-fee specifics → needs_verification.
• Deed seasoning (local notes): Title insurers commonly decline to insure immediately after a GPTA tax deed; expect a seasoning period and/or a quiet-title judgment (see michigan §5b). No Saginaw-specific underwriting note retrieved → needs_verification.
• Title insurers active locally: Major national underwriters (e.g., First American, Fidelity/Chicago Title, Old Republic, Stewart) operate through Saginaw agencies, but a confirmed list of insurers actively writing tax-deed title policies in Saginaw County was not retrieved from a primary/official source → needs_verification.

C9. Purchaser Obligations → framework: michigan §10b

• Subsequent-tax payment office: Michigan GPTA tax sales are deed sales with no post-sale redemption — post-judgment property taxes become the new fee owner’s responsibility after the auction; current-year taxes are paid to the local city/township treasurer and delinquent taxes to the Saginaw County Treasurer (111 S. Michigan Ave., Room 107; (989) 790-5225). There is no “subsequent tax” certificate-holder mechanic as in lien states. (For the mortgage-foreclosure redemption context — where a sheriff’s-deed purchaser may pay taxes during the redemption period and add them to the redemption amount — see michigan §10b.) Source: https://www.saginawcountymi.gov/departments/treasurer/pay-delinquent-property-taxes/
• Notice-to-owner procedure: In a Michigan tax foreclosure the FGU (Saginaw Treasurer), not the auction purchaser, performs the statutory owner-notice (title search, certified mail, publication, personal visit/posting) under MCL 211.78i before judgment; the tax-deed buyer has no separate owner-notice duty post-sale (no redemption period to notice). Purchaser owner-notice duties arise in the mortgage (sheriff’s-deed) context — inspection/redemption-expiration disclosure under MCL 600.3237/3238 — see michigan §10b.
• Redemption payment office (for owners, pre-cutoff): Saginaw County Treasurer’s Office, 111 S. Michigan Ave., Room 107 (the March 31 cutoff payoff desk). After March 31 there is no tax redemption. For mortgage redemption, payment goes to the purchaser/their assigns or the Register of Deeds (MCL 600.3240; see michigan).
• Occupancy & access notes: GPTA tax sales convey fee-simple title with no owner redemption period after March 31, so the purchaser takes possession subject only to ordinary eviction/holdover process for any occupant; no redemption-period possession rules apply (those are a mortgage-foreclosure feature, michigan §10b). Saginaw-specific local possession practice not separately documented → needs_verification.

C10. Local Restrictions → framework: michigan §11b

• Right of first refusal active locally? Yes (statutory). The layered MCL 211.78m(1) ROFR (State → city/village/township → county) operates in Saginaw, and the Saginaw County Land Bank Authority — chaired by the Treasurer — is the practical vehicle through which unsold/ROFR parcels enter public ownership. Where a unit takes a parcel at minimum bid with no public auction, the former-owner surplus remedy is Rafaeli inverse condemnation, not MCL 211.78t (jackson-v-southfield-2025; see michigan). Source: https://www.saginawcountymi.gov/departments/treasurer/land-bank/
• Land bank name / URL: Saginaw County Land Bank Authority (a.k.a. Saginaw County Brownfield/Land Bank Authority). Public property site: https://public-sclb.epropertyplus.com/landmgmtpub/app/base/landing. Board chaired by Treasurer Tim Novak; “Nearly all of the property owned by the Land Bank is acquired through property tax foreclosure. When tax foreclosed properties are not sold at public auction, they typically end up owned by the Land Bank.” First-five-years restriction: purchased land bank property cannot be combined with another parcel; the Land Bank may withhold properties from sale at the manager’s discretion. Sources: https://www.saginawcountymi.gov/departments/treasurer/land-bank/; https://public-sclb.epropertyplus.com/landmgmtpub/app/base/landing
• Entity / insider notes: No natural-persons-only restriction — LLCs and corporations may bid (subject to the MCL 211.78m(5) anti-collusion affidavit and the MCL 211.78m(6) permanent bar for a false affidavit). No Saginaw-specific local ordinance further restricting bidders was located → needs_verification. The Treasurer chairing the Land Bank is a structural feature (FGU and land-bank acquirer overlap), not an “insider bidding” issue; standard GPTA affidavit rules apply (see michigan §11b).

C7. Meta

• parent_state: michigan
• last_verified: 2026-06-02
• confidence: 0.86
• completeness_score: 0.90
• gap_score: 8
• sources:
  • {type: official, url: “https://www.saginawcountymi.gov/departments/treasurer/”, retrieved: 2026-06-02} # Treasurer Tim N. Novak; 111 S Michigan Rm 107; (989) 790-5225; M-F 8-5; chairs Saginaw County Land Bank Authority; Fox v Saginaw settlement (2013–2020, claims deadline July 16 2026); Land Bank & Auctions links
  • {type: official, url: “https://www.saginawcountymi.gov/departments/treasurer/information-for-property-owners/”, retrieved: 2026-06-02} # PA 123 timeline (delinquency Mar 1, $15 fee Oct 1, forfeiture Mar 1 with$354 fee + 1.5%/mo, judgment, March 31 redemption expiry, Aug/Sept auction min-bid); MCL 211.78t process (Form 5743 by July 1, FGU Form 5744 by Jan 31, CC 540 motion Feb 1–May 15); Form 5743 PDF link; Rafaeli retroactivity caveat; 2015–2020 / 6156 references
  • {type: official, url: “https://www.saginawcountymi.gov/departments/treasurer/pay-delinquent-property-taxes/”, retrieved: 2026-06-02} # payment methods (in person/mail/online via G2G Cloud Solutions); 111 S Michigan Ave; credit-card policy ($20 redemption-cert correction fee, void reapplies interest/forfeiture); Property Search, Tapestry, Odyssey links
  • {type: official, url: “https://www.saginawcountymi.gov/departments/treasurer/land-bank/”, retrieved: 2026-06-02} # Land Bank chaired by Tim Novak; acquires unsold tax-foreclosed property; public site public-sclb.epropertyplus.com; first-5-yr no-combination rule; discretion to withhold
  • {type: official, url: “https://www.saginawcountymi.gov/departments/register-of-deeds/”, retrieved: 2026-06-02} # Register of Deeds Katie Albosta Kelly; 111 S Michigan Ave; (989) 790-5270; fax (989) 790-5278; Tapestry online search; fees/e-recording subpages
  • {type: official, url: “https://www.saginawcountymi.gov/departments/county-clerk/”, retrieved: 2026-06-02} # County Clerk Vanessa Guerra; Room 101; Circuit Court Division (989) 790-5540; Vital Records (989) 790-5251; three divisions incl. Circuit Court Records
  • {type: official, url: “https://www.saginawcountymi.gov/courts-public-safety/courts/10th-circuit-court/”, retrieved: 2026-06-02} # 10th Judicial Circuit Court; Court Administrator Michael Yelsik; Chief Judge Hon. Julie A. Gafkay; 111 S Michigan Ave; Admin (989) 790-5470; Records & Filing (989) 790-5540; fax (989) 793-8180; five circuit judges
  • {type: official, url: “https://www.tax-sale.info/auctions”, retrieved: 2026-06-02} # Saginaw County primary auction Sept 2 2026 10am–7pm EDT (online); re-offer Sept 25; no-reserve Oct 30; “Full Listings Not Yet Available”; helpline 1-800-259-7470; Title Check LLC platform
  • {type: official, url: “https://www.tax-sale.info/listings/catalog/1379”, retrieved: 2026-06-02} # Saginaw County tax-sale.info catalog (ID 1379); platform helpline 1-800-259-7470
  • {type: official, url: “https://www.michigan.gov/taxes/-/media/Project/Websites/taxes/Forms/Property-Tax/5743.pdf”, retrieved: 2026-06-02} # State Treasury Form 5743 (linked from Saginaw Treasurer page)
  • {type: official, url: “https://www.surplusproceedssettlement.com/”, retrieved: 2026-06-02} # Fox v Saginaw County settlement; 28 MI counties incl. Saginaw; 2013–2020 foreclosures; 125% of surplus; claim deadline July 16 2026; fairness hearing Sept 23 2026 Bay City; online claims portal
  • {type: official, url: “https://public-sclb.epropertyplus.com/landmgmtpub/app/base/landing”, retrieved: 2026-06-02} # Saginaw County Land Bank public property site (ePropertyPlus)
  • {type: official, url: “https://www.saginawcountymi.gov/courts-public-safety/sheriff/”, retrieved: 2026-06-02} # Sheriff William L. Federspiel; (989) 790-5400; civil process division (mortgage foreclosure-by-advertisement sheriff’s sales)
  • {type: court, url: “https://www.courtlistener.com/docket/15832704/fox-v-saginaw-county-of/”, retrieved: 2026-06-02} # Fox v Saginaw County, No. 1:19-cv-11887 (E.D. Mich.), Judge Thomas L. Ludington; class certified Oct 16 2020; 6th Cir. 2023; juridical-link doctrine across ~27–28 counties
• needs_verification:
  • Registration deposit and buyer’s premium for Saginaw County’s 2026 tax-sale.info auction (Sept 2, 2026) — Saginaw catalog listings were “Not Yet Available” at verification; confirm at https://www.tax-sale.info/listings/catalog/1379 when posted (platform-wide norm is a refundable deposit/pre-auth + buyer’s premium).
  • Composition of the $354 forfeiture fee — reconcile Saginaw's published$354 figure with the MCL 211.78g statutory $175 base; the bundled recording/ title/statutory components were not itemized on retrieved county pages.
  • Public delinquent-parcel roster — no downloadable list of parcels in forfeiture or scheduled for foreclosure located on official Saginaw pages.
  • Sheriff Civil Process Division direct line for mortgage foreclosure-by-advertisement (sheriff’s-sale) inquiries — only the main (989) 790-5400 line was confirmed.
  • Saginaw-specific quiet-title timeline, filing fees, and the list of title insurers actively writing tax-deed policies locally — only Michigan-general figures (inherited from michigan §5b) were available.
  • Unclaimed remaining-proceeds roster / fate of unclaimed 78t surplus in Saginaw — no public list located; whether forfeited proceeds are retained by the FGU or escheated is an open question (see michigan).
  • Saginaw-specific local possession/eviction practice for tax-deed purchasers post-auction — not documented from a primary county source.
  • Local bidder ordinance (any Saginaw-specific restriction beyond the GPTA MCL 211.78m(5) affidavit) — none located; treated as none, but unconfirmed.
• cross_links: michigan, surplus-funds, right-of-redemption, third-party-recovery-rules, treasurer-sale, sheriff-sale, due-process-notice, quiet-title-after-tax-sale, land-bank-programs, rafaeli-v-oakland-county-2020, jackson-v-southfield-2025, barry-county-treasurer-foreclosure-2024, sidun-v-wayne-county-treasurer-2008, tyler-v-hennepin-county
• changelog:
  • 2026-06-02 — Initial Saginaw County page built from the Treasurer’s official pages (index, information-for-property-owners with full PA 123 timeline and the MCL 211.78t Form 5743/5744/CC 540 process, pay-delinquent-property-taxes, land-bank), Register of Deeds (Katie Albosta Kelly), County Clerk (Vanessa Guerra), 10th Circuit Court (Admin Michael Yelsik; Chief Judge Gafkay), Sheriff (Federspiel), tax-sale.info auction schedule (Saginaw Sept 2, 2026) and Saginaw catalog (ID 1379), State Form 5743 PDF, the Saginaw County Land Bank public site, the Fox v. Saginaw County settlement site, and the Fox docket (No. 1:19-cv-11887, E.D. Mich.). Treasurer Tim N. Novak confirmed; sale platform Tax-Sale.info (Title Check, LLC) confirmed. Dual surplus tracks documented: MCL 211.78t / CC 540 (2021+) and Fox v. Saginaw County (2013–2020; July 16, 2026 claim deadline). Added county modules C8 (title/quiet title), C9 (purchaser obligations), C10 (local restrictions / Land Bank / ROFR).

Legal information, not legal advice. This page summarizes Saginaw County, Michigan tax- and mortgage-foreclosure procedure from official county sources and corroborated official/court sources retrieved on 2026-06-02. Statutes, deadlines, auction logistics, and the Fox v. Saginaw County settlement schedule change; verify against the cited official sources and consult a licensed Michigan attorney before acting.