Saginaw County property record for 12870 Spencer Rd, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,716 sqft · built 1993 |
| Lot Size | 7.63 acres (332,363 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,337 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-11-3-18-2003-004 |
| Primary APN | 26-11-3-18-2003-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,716 sqft Living Area |
| 1st Floor Area | 1,196 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Logs |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 332,363 sqft (7.63 acres) |
| Garage Area | 2,316 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 12870 SPENCER RD |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-9725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT A PT 330 FT N FROM W 1/4 CORN OF SEC 18 TH CONT N 268 FT TH E 330 FT TH N 55.36 FT TH E 465 FT TH S 653.07 FT TO E&W |
| 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 |
12870 Spencer Rd is owned and occupied by an individual who acquired it in March 2000.
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12870 SPENCER RD, HEMLOCK, MI 48626-9725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 29, 2000 |
| Transfer Doc | 2175000432 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 12870 Spencer Rd was $5,337 with a homeowner's exemption.
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 | $172,900 | $345,800 | |
| 2025 | $5,337.00 Homeowner's exemption | ||
| 2023 | $152,400 | $304,800 | |
| 2022 | $4,259.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12870 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 risk around 12870 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.
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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