1032 N Orr Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 1032 N Orr Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,220 sqft · built 2015
Lot Size	10.6 acres (462,172 sqft)
Owner	Individual Name on File
Last Sale	$42,000 (Mar 2014)
Tax Bill	$5,985 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28-12-3-19-3004-000`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-19-3004-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,220 sqft Living Area
1st Floor Area	1,278 sqft
Basement Area	1,278 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	462,172 sqft (10.6 acres)
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1032 N ORR RD
City	HEMLOCK
State	MI
Zip	48626-9420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	N 1/2 OF S 1/2 OF SW FRL 1/4 OF SW FRL 1/4 -- 10.61 ACRES SEC 19 T12N R3E
Legal Range	03E
Legal Township	12N
Legal Section	19
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	3
Census Block	3011
Census Tract	12003

Owner

1032 N Orr Rd is owned and occupied by an individual who bought it in March 2014.

Source: Saginaw County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1032 N ORR RD, HEMLOCK, MI 48626-9420
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · Line of Credit FINANCIAL PLUS CREDIT UNION
Jan 31, 2022	Deed of Trust, Mortgage DOW CHEMICAL EMPLOYEES CU
Sep 4, 2019	Deed of Trust, Mortgage · Line of Credit DOW CHEMICAL EMPS CU
Mar 23, 2017	Deed of Trust, Mortgage · Line of Credit DOW CHEMICAL EMPS CU
Mar 23, 2017	Deed of Trust, Mortgage DOW CHEMICAL EMPS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2014 · Amount on File
Deed Sale	Mar 20, 2014 · Amount on File
Prior Sale	Apr 13, 2000
Deed Document Number	20146229
Deed Book / Page	2764 / 2450
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	May 7, 2026
Property Address	1032 N ORR RD, HEMLOCK, MI 48626-9420
Document Number	0000012602
Instrument Date	May 7, 2026
Instrument	202612602
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1032 N ORR RD, HEMLOCK, MI 48626-9420

Mortgage

Document Number	0000012602,
Date	May 7, 2026
Instrument	202612602

Lender

Name	FINANCIAL PLUS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	1032 N ORR RD, HEMLOCK, MI 48626-9420
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1032 N ORR RD, HEMLOCK, MI 48626-9420

Mortgage

Document Number	0000002659
Date	Jan 31, 2022
Instrument	2022002659

Lender

Name	DOW CHEMICAL EMPLOYEES CU
Type	Credit Union
Address	MIDLAND, MI 48641

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 26, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	1032 N ORR RD, HEMLOCK, MI 48626-9420
Document Number	0000022808
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1032 N ORR RD HEMLOCK MI 486269420, HEMLOCK, MI 48626-9420

Mortgage

Document Number	0000022808
Date	Sep 12, 2019
Instrument	22808

Lender

Name	DOW CHEMICAL EMPS CU
Type	Credit Union
Address	MIDLAND, MI 48641-1649

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	1032 N ORR RD, HEMLOCK, MI 48626-9420
Document Number	0000007452
Instrument Date	Mar 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1032 N ORR RD HEMLOCK MI 486269420, HEMLOCK, MI 48626-9420

Mortgage

Document Number	0000007452
Date	Mar 29, 2017
Book Page	002894/000539
Instrument	7452

Lender

Name	DOW CHEMICAL EMPS CU
Type	Credit Union
Address	MIDLAND, MI 48641-1649

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	1032 N ORR RD, HEMLOCK, MI 48626-9420
Document Number	0000007451
Instrument Date	Mar 23, 2017
Transaction Type	Mortgage
Record Updated	Apr 11, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1032 N ORR RD HEMLOCK MI 486269420, HEMLOCK, MI 48626-9420

Mortgage

Document Number	0000007451
Date	Mar 29, 2017
Book Page	002894/000530
Instrument	7451

Lender

Name	DOW CHEMICAL EMPS CU
Type	Credit Union
Address	MIDLAND, MI 48641-1649

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1032 N Orr Rd was $5,985 with a homeowner's exemption.

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Thomas Township
Unified School District	Hemlock Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$214,000 (+4.95%)	$428,000 (+4.95%)
2025	$5,985.00 Homeowner's exemption	$203,900	$407,800
2023		$162,600	$325,200
2022	$4,977.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1032 N Orr Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1986.

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.

Wildfire

Wildfire risk around 1032 N Orr Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Orr Rd

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