13085 Gratiot Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 13085 Gratiot Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,103 sqft · built 1961
Lot Size	0.326 acres (14,201 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Sep 2023)
Tax Bill	$873 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-25-4201-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-25-4201-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,103 sqft Living Area
1st Floor Area	2,103 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,201 sqft (0.326 acres)
Lot Dimensions	171 ft deep x 83 ft wide
Garage Area	348 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	333 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	13085 GRATIOT RD
City	HEMLOCK
State	MI
Zip	48626-9408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 1 MAPLE VIEW SUBDIVISION NO.1 A PART OF NE 1/4 OF SE 1/4 SEC 25 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	25
Legal Subdivision	VIEW SUBDIVISION
Legal Lot Number	1
Legal Unit	1
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	3
Census Block	3002
Census Tract	12100

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	1301 MICHIGAN ST, MIDLAND, MI 48640-5644
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · FHA Mortgage EQUITY PRIME MORTGAGE
Sep 14, 2023	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP
Apr 6, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Apr 18, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 13, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2023 · Amount on Record
Deed Sale	Sep 14, 2023 · Amount on Record
Prior Sale	Apr 13, 2020 · Amount on Record
Deed Document Number	202320508
Prior Transfer Date	Jan 28, 2013
Prior Transfer Doc	0000004040
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	Apr 22, 2026
Property Address	13085 GRATIOT RD, HEMLOCK, MI 48626-9408
Document Number	0000011400
Instrument Date	Apr 15, 2026
Instrument	202611400
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13085 GRATIOT RD, HEMLOCK, MI 48626-9408

Mortgage

Document Number	0000011400,
Date	Apr 22, 2026
Instrument	202611400

Lender

Name	EQUITY PRIME MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 14, 2023
Property Address	13085 GRATIOT RD, HEMLOCK, MI 48626-9408
Document Number	0000020508
Map Reference	LB 11 PG 51
Instrument Date	Sep 12, 2023
Instrument	2023020508
Transaction Type	Transfer
Record Updated	Oct 3, 2023
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,762.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13085 GRATIOT RD, HEMLOCK, MI 48626-9408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 MICHIGAN ST, MIDLAND, MI 48640-5644

Mortgage

Document Number	0000020509
Date	Sep 14, 2023
Instrument	2023020509

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Mortgage

Document Number	0000020510
Date	Sep 14, 2023
Instrument	2023020510

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2033

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	13085 GRATIOT RD, HEMLOCK, MI 48626-9408
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13085 GRATIOT RD, HEMLOCK, MI 48626-9408

Mortgage

Document Number	0000007889
Date	Apr 6, 2023
Instrument	2023007889

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Mar 27, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	13085 GRATIOT RD, HEMLOCK, MI 48626-9408
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13085 GRATIOT RD, HEMLOCK, MI 48626-9408

Mortgage

Document Number	0000012131
Date	Apr 18, 2022
Instrument	2022012131

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 13, 2020
Property Address	13085 GRATIOT RD, HEMLOCK, MI 48626-9408
Document Number	0000008390
Instrument Date	Apr 8, 2020
Instrument	8390
Transaction Type	Transfer
Record Updated	Jun 29, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 W THOMAS ST BETHEL OH 45106, BETHEL, OH 45106

Mortgage

Document Number	8391
Date	Apr 13, 2020
Instrument	8391

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 12, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$88,900 (+6.59%)	$177,800 (+6.59%)
2025	$873.00 (-60.83%) Homeowner's exemption	$83,400 (+20.52%)	$166,800 (+20.52%)
2023		$69,200 (+17.89%)	$138,400 (+17.89%)
2022	$2,229.00 (+8.41%) Homeowner's exemption	$58,700	$117,400
2021	$2,056.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 29, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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