13568 Geddes Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 13568 Geddes Rd, Hemlock, MI 48626

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,476 sqft · built 1995
Lot Size	3.16 acres (137,650 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (May 2018)
Tax Bill	$3,115 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-24-2007-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-24-2007-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,476 sqft Living Area
1st Floor Area	1,476 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Modular
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	137,650 sqft (3.16 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	13568 GEDDES RD
City	HEMLOCK
State	MI
Zip	48626-9431
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	A-2
Legal Description	COM AT A PT ON E&W 1/4 LINE 661.98 FT S 89 DEGREES 59 MINUTES 14 SECONDS W OF CENTER POST OF SEC 24 TH N 01 DEGREES 35
Legal Range	02E
Legal Township	12N
Legal Section	24
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	1
Census Block	1032
Census Tract	12100

Owner

13568 Geddes Rd, a residential property, is owned and occupied by an individual who acquired it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	13568 GEDDES RD, HEMLOCK, MI 48626-9431
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

Date	Document
Apr 19, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage TEAM ONE CU
Jul 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage TEAM ONE CU
May 14, 2018	Warranty Deed, Transfer · Conventional with PMI LAKE MI CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2018 · Amount on File
Deed Sale	May 14, 2018 · Amount on File
Prior Sale	Oct 10, 1994 · Amount on File
Deed Document Number	201814291
Last Transfer Date	Apr 12, 2023
Transfer Doc	0000009902
Record Updated	Oct 29, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Apr 19, 2023
Property Address	13568 GEDDES RD, HEMLOCK, MI 48626-9431
Document Number	0000009902
Instrument Date	Apr 14, 2023
Instrument	2023009902
Transaction Type	Transfer
Record Updated	May 4, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13568 GEDDES RD, HEMLOCK, MI 48626-9431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13568 GEDDES RD, HEMLOCK, MI 48626-9431

Mortgage

Document Number	0000009903
Date	Apr 19, 2023
Instrument	2023009903

Lender

Name	TEAM ONE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	13568 GEDDES RD, HEMLOCK, MI 48626-9431
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13568 GEDDES RD, HEMLOCK, MI 48626-9431

Mortgage

Document Number	0000023431
Date	Jul 7, 2021
Instrument	2021023431

Lender

Name	TEAM ONE CU
Type	Credit Union
Address	SAGINAW, MI 48607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2041

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	May 14, 2018
Property Address	13568 GEDDES RD, HEMLOCK, MI 48626-9431
Document Number	0000014291
Instrument Date	Apr 30, 2018
Instrument	14291
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
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	13568 GEDDES RD HEMLOCK MI 486269431, HEMLOCK, MI 48626-9431

Mortgage

Document Number	14292
Date	May 14, 2018
Instrument	14292

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 13, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.74%

Tax Assessment & Valuation

The 2025 property tax bill for 13568 Geddes Rd was $3,115 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		$87,300	$174,600
2025	$3,115.00 Homeowner's exemption
2023		$79,000	$158,000
2022	$2,620.00

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

Flood

FEMA maps place 13568 Geddes 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 13568 Geddes 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 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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