Saginaw County property record for 132 Spruce St, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 768 sqft · built 1920 |
| Lot Size | 0.126 acres (5,489 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,525 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-28-0323-000 |
| Primary APN | 22-12-2-28-0323-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,489 sqft (0.126 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Porch | Covered Porch |
| Porch Area | 140 sqft |
| Deck Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 132 SPRUCE ST |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-9381 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOTS 10 & 11 J W PIERCE ADD TO THE VILLAGE OF HEMLOCK SEC 28 T12N R2E |
| Legal Range | 02E |
| Legal Township | 12N |
| Legal Section | 28 |
| Legal Subdivision | J W PIERCE ADD |
| Legal Lot Number | 10-11 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | RICHLAND |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 12100 |
132 Spruce St is owned and occupied by two individuals who acquired it in July 1997.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 132 SPRUCE ST, HEMLOCK, MI 48626-9381 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 28, 1997 |
| Transfer Doc | 0000021124 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 132 Spruce St was $1,525 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Richland Township |
| Unified School District | Hemlock Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $34,500 | $69,000 | |
| 2025 | $1,525.00 Homeowner's exemption | ||
| 2023 | $27,300 | $54,600 | |
| 2022 | $1,422.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 132 Spruce St in Zone X, an area of minimal flood risk.
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 risk around 132 Spruce St is low, with less than 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 99.1% of the US · lower than 98.4% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HEMLOCK/RICHLAND TOWNSHIP serves 1,632 people · EPA ID MI0003110 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 6 ppb (2021–2023) action level 15 ppb |
| Water Quality | E. coli not recorded as resolved · Oct 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 240 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| LakeNet Fiber | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Air Advantage, T-Mobile.
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