Saginaw County property record for 13205 Spencer Rd, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,952 sqft · built 2016 |
| Lot Size | 10 acres (436,471 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $27,000 (Nov 1973) |
| Tax Bill | $4,817 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-11-2-13-4001-000 |
| Primary APN | 15-11-2-13-4001-000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,952 sqft Living Area |
| 1st Floor Area | 1,952 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Lot Area | 436,471 sqft (10 acres) |
| Garage Area | 652 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 226 sqft |
| Deck Area | Deck Area |
| Patio Area | 392 sqft |
| Total Buildings | 3 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 13205 SPENCER RD |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-8701 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W LY 680 FT OF NLY 647 FT OF NE 1/4 OF SE 1/4 10.02 ACRES SEC 13 T11N R2E |
| Legal Range | 02E |
| Legal Township | 11N |
| Legal Section | 13 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | FREMONT |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 12300 |
13205 Spencer Rd is owned and occupied by two individuals who bought it in November 1973.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13205 SPENCER RD, HEMLOCK, MI 48626-8701 |
| 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 Sale | Nov 30, 1973 · Amount on File |
| Deed Sale | Nov 30, 1973 · Amount on File |
| Deed Book / Page | 1411 / 1297 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 13205 Spencer Rd was $4,817 with a homeowner's exemption.
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Fremont Township |
| Unified School District | St. Charles Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $197,300 | $394,600 | |
| 2025 | $4,817.00 Homeowner's exemption | ||
| 2023 | $165,300 | $330,600 | |
| 2022 | $3,910.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13205 Spencer Rd 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 13205 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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) |
|---|---|
| LakeNet Fiber | 1,000 / 500 |
| Starlink Satellite | 280 / 30 |
May also be available: Spectrum.
5G (outdoors only) and 4G LTE
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