Saginaw County property record for 13575 Spencer Rd, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,302 sqft · built 1940 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,553 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-11-2-13-3004-000 |
| Primary APN | 15-11-2-13-3004-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,302 sqft Living Area |
| 1st Floor Area | 1,302 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 140 sqft |
| Total Buildings | 3 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 13575 SPENCER RD |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-9726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 200 FT OF E 508 FT OF N 435.6 FT OF NE1/4 OF SW1/4 2.0 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 |
13575 Spencer Rd is owned and occupied by two individuals.
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13575 SPENCER RD, HEMLOCK, MI 48626-9726 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 13575 Spencer Rd was $1,553 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 | $74,200 | $148,400 | |
| 2025 | $1,553.00 Homeowner's exemption | ||
| 2023 | $56,700 | $113,400 | |
| 2022 | $1,213.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13575 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 13575 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LakeNet Fiber | 1,000 / 500 |
5G (outdoors only) and 4G LTE
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