12675 Spencer Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 12675 Spencer Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,512 sqft · built 1979
Lot Size	4.23 acres (184,259 sqft)
Owner	Individual Name on File
Last Sale	$288,900 (Apr 2025)
Tax Bill	$3,615 (2025)
Deeds & Mortgages	Aug 2023 Transfer Aug 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-11-3-18-3007-001`

Property Details

APN / Parcel Number

Primary APN	`26-11-3-18-3007-001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	184,259 sqft (4.23 acres)
Lot Dimensions	707 ft deep x 263 ft wide
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	16 sqft
Deck Area	Deck Area
Patio Area	320 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	12675 SPENCER RD
City	HEMLOCK
State	MI
Zip	48626-9725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT CENTER OF SEC TH W 1066.52 FT TO POB TH S 740.13 FT TH W 257.95 FT TH N 740.06 FT TH E 263.28 FT TO POB 4.43 ACRES SEC
Legal Range	03E
Legal Township	11N
Legal Section	18
Jurisdiction	SAGINAW MI
Township / Civil Division	SWAN CREEK
Census Block Group	2
Census Block	2037
Census Tract	11902

Owner

12675 Spencer Rd is owned and occupied by an individual who bought it in April 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1610 BROCKWAY ST, SAGINAW, MI 48602-2644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Aug 14, 2023	Intrafamily Transfer, Transfer
Aug 17, 2021	Intrafamily Transfer, Transfer
May 7, 2021	Warranty Deed, Transfer
Oct 4, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2025 · Amount on File
Deed Sale	Apr 11, 2025 · Amount on File
Prior Sale	May 7, 2021 · Amount on File
Deed Document Number	20257827
Prior Transfer Date	Aug 10, 2023
Prior Transfer Doc	0000018139
Record Updated	Oct 29, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Aug 14, 2023
Property Address	12675 SPENCER RD, HEMLOCK, MI 48626-9725
Document Number	0000018139
Instrument Date	Aug 10, 2023
Instrument	2023018139
Transaction Type	Transfer
Record Updated	Sep 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12675 SPENCER RD, HEMLOCK, MI 48626-9725

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12675 SPENCER RD, HEMLOCK, MI 48626-9725
Investor	Possibly a Property Investor

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Aug 17, 2021
Property Address	12675 SPENCER RD, HEMLOCK, MI 48626-9725
Document Number	2021027320
Instrument Date	Aug 11, 2021
Instrument	2021027320
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12675 SPENCER RD, HEMLOCK, MI 48626-9725

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	May 7, 2021
Property Address	12675 SPENCER RD, HEMLOCK, MI 48626-9725
Document Number	2021017342
Instrument Date	Apr 12, 2021
Instrument	2021017342
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4925 N THOMAS RD, 4925, FREELAND, MI 48623-7803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12675 SPENCER RD, HEMLOCK, MI 48626-9725

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 4, 2017
Property Address	12675 SPENCER RD, HEMLOCK, MI 48626-9725
Document Number	0000027264
Book / Page	1503 / 1059
Instrument Date	Oct 3, 2017
Instrument	2017027264
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4925 N THOMAS RD, FREELAND, MI 48623-7803

Mortgage

Document Number	0000027265
Date	Oct 4, 2017
Instrument	2017027265

Lender

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 12675 Spencer Rd was $3,615 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	Swan Creek Township
Unified School District	St. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$117,500 (-6.08%)	$235,000 (-6.08%)
2025	$3,615.00 Homeowner's exemption	$125,100	$250,200
2023		$92,000 (+6.48%)	$184,000 (+6.48%)
2022	$2,879.00 (+12.99%) Homeowner's exemption	$86,400	$172,800
2021	$2,548.00

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

FEMA maps place 12675 Spencer Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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 (2013)
Most Recent Claim	Apr 2013 · 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 12675 Spencer 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SWAN CREEK TOWNSHIP serves 2,023 people · EPA ID MI0006502
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: LakeNet.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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