13439 Gratiot Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 13439 Gratiot Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,045 sqft · built 1960
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Tax Bill	$1,833 (2025)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-25-4004-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-25-4004-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,045 sqft Living Area
1st Floor Area	1,045 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Garage Area	562 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	179 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13439 GRATIOT RD
City	HEMLOCK
State	MI
Zip	48626-8446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	E 132 FT OF W 264 FT OF N 1/2 OF N 1/2 OF SE 1/4 2 ACRES SEC 25 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	25
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	3
Census Block	3002
Census Tract	12100

Owner

13439 Gratiot Rd is owned and occupied by an individual who acquired it in September 2006.

Source: Saginaw County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	13439 GRATIOT RD, HEMLOCK, MI 48626-8446
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2006
Deed Sale	Sep 21, 2006
Prior Sale	Oct 18, 1963 · Amount on File
Deed Book / Page	2401 / 550
Record Updated	Oct 29, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Mar 9, 2017
Property Address	13439 GRATIOT RD, HEMLOCK, MI 48626-8446
Document Number	0000005560
Book / Page	002891 / 002447
Instrument Date	Mar 7, 2017
Instrument	5560
Transaction Type	Transfer
Record Updated	Mar 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$20.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 3RD ST BAY CITY MI 48708, BAY CITY, MI 48708

Mortgage

Document Number	5561
Date	Mar 9, 2017
Book Page	002891/002449
Instrument	5561

Lender

Name	DARRYL W COOK
Address	9770 N STARK DR, SAGINAW, MI 48609-9405

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 13439 Gratiot Rd was $1,833 with a homeowner's exemption.

Source: Saginaw County assessment roll, as of August 21, 2026

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		$68,600 (+7.69%)	$137,200 (+7.69%)
2025	$1,833.00 Homeowner's exemption	$63,700	$127,400
2023		$53,900	$107,800
2022	$1,549.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 13439 Gratiot 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

Wildfire risk around 13439 Gratiot Rd 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 96% of the US · lower than 91% 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 14 locations within half a mile, as of December 31, 2025

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