Saginaw County property record for 12820 Spencer Rd, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,760 sqft · built 1974 |
| Lot Size | 2.49 acres (108,464 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $98,000 (Jun 2004) |
| Tax Bill | $3,906 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-11-3-18-2003-002 |
| Primary APN | 26-11-3-18-2003-002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,760 sqft Living Area |
| 1st Floor Area | 1,760 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 108,464 sqft (2.49 acres) |
| Lot Dimensions | 447 ft deep x 260 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 80 sqft |
| Total Buildings | 3 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 12820 SPENCER RD |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-9725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 260 FT OF W 1055 FT OF S 480 FT OF S 38.63 ACRES OF NW FRL 1/4 2.69 ACRES SEC 18 T11N R3E |
| Legal Range | 03E |
| Legal Township | 11N |
| Legal Section | 18 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | SWAN CREEK |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 11902 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 12820 SPENCER RD, HEMLOCK, MI 48626-9725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2004 · Amount on Record |
| Deed Sale | Jun 28, 2004 · Amount on Record |
| Prior Sale | May 18, 2004 · Amount on Record |
| Deed Document Number | 20047211764 |
| Deed Book / Page | 2278 / 2071 |
| Record Updated | Oct 29, 2026 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Swan Creek Township |
| Unified School District | St. Charles Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $144,400 (+31.15%) | $288,800 (+31.15%) | |
| 2025 | $3,906.00 (+24.95%) Homeowner's exemption | ||
| 2023 | $110,100 | $220,200 | |
| 2022 | $3,126.00 |
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 (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.
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.
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.
4G LTE (outdoors only), no 5G reported
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