12985 Gratiot Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 12985 Gratiot Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,460 sqft · built 1968
Lot Size	0.494 acres (21,519 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Oct 2025)
Tax Bill	$873 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jul 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28-12-3-30-3213-000`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-30-3213-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,460 sqft Living Area
1st Floor Area	1,460 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Raised Ranch
Exterior Material	Brick
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,519 sqft (0.494 acres)
Lot Dimensions	215 ft deep x 100 ft wide
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	350 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Storm Sewer

Location & Zoning

Street Address	12985 GRATIOT RD
City	HEMLOCK
State	MI
Zip	48626-9422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 13 EXC S 75 FT THEREOF GRATIOT WOODED ACRES NO 1 A PART OF NW 1/4 OF SW 1/4 SEC 30 T12N R3E
Legal Range	03E
Legal Township	12N
Legal Section	30
Legal Subdivision	GRATIOT WOODED ACRES NO 1
Legal Lot Number	13
Legal Unit	13
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	3
Census Block	3025
Census Tract	12003

Owner

Source: Saginaw County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1924 REO ST, SAGINAW, MI 48602-5045
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION
Jul 27, 2022	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Jul 28, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED FINANCIAL CU
Dec 20, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Apr 21, 2017	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2025 · Amount on Record
Deed Sale	Oct 24, 2025 · Amount on Record
Prior Sale	Jul 27, 2022 · Amount on Record
Prior Transfer Date	Nov 1, 2011
Prior Transfer Doc	0000030419
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 24, 2025
Property Address	12985 GRATIOT RD, HEMLOCK, MI 48626-9422
Document Number	0000025163
Map Reference	LB 12 PG 38
Instrument Date	Oct 22, 2025
Instrument	2025025163
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,612.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12985 GRATIOT RD, HEMLOCK, MI 48626-9422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1924 REO ST, SAGINAW, MI 48602-5045

Mortgage

Document Number	0000025164
Date	Oct 24, 2025
Instrument	2025025164

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2050

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 27, 2022
Property Address	12985 GRATIOT RD, HEMLOCK, MI 48626-9422
Document Number	0000020673
Map Reference	LB 12 PG 38
Instrument Date	Jul 26, 2022
Instrument	2022020673
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12985 GRATIOT RD, 12985, HEMLOCK, MI 48626-9422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 N COLONY DR # 2B, 2B, SAGINAW, MI 48638-7103

Mortgage

Document Number	0000020674
Date	Jul 27, 2022
Instrument	2022020674

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 28, 2020
Property Address	12985 GRATIOT RD, HEMLOCK, MI 48626-9422
Document Number	2020018526
Map Reference	LB 12 PG 38
Instrument Date	Jul 14, 2020
Instrument	2020018526
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12985 GRATIOT RD, 12985, HEMLOCK, MI 48626-9422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8974 N BROOKSHIRE DR, SAGINAW, MI 48609-4882

Mortgage

Document Number	2020018527
Date	Jul 28, 2020
Instrument	2020018527

Lender

Name	UNITED FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	12985 GRATIOT RD, HEMLOCK, MI 48626-9422
Document Number	0000034148
Instrument Date	Dec 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12985 GRATIOT RD HEMLOCK MI 486269422, HEMLOCK, MI 48626-9422

Mortgage

Document Number	0000034148
Date	Dec 28, 2017
Instrument	34148

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2047

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 21, 2017
Property Address	12985 GRATIOT RD, HEMLOCK, MI 48626-9422
Document Number	0000013862
Instrument Date	Apr 10, 2017
Instrument	13862
Transaction Type	Transfer
Record Updated	May 23, 2017

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$128.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	117 W SPRUCE ST ST CHARLES MI 486551237, ST CHARLES, MI 48655-1237

Mortgage

Document Number	13863
Date	Apr 21, 2017
Instrument	13863

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2047

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

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		$98,100 (+4.92%)	$196,200 (+4.92%)
2025	$873.00 (-70.82%) Homeowner's exemption	$93,500 (+27.04%)	$187,000 (+27.04%)
2024	$2,992.00 (+20.11%)
2023		$73,600	$147,200
2022	$2,491.00

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

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500
Spectrum Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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