Saginaw County property record for 13640 Spencer Rd, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,464 sqft · built 1968 |
| Lot Size | 1.82 acres (79,279 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $2,470 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-11-2-13-2004-000 |
| Primary APN | 15-11-2-13-2004-000 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,464 sqft Living Area |
| 1st Floor Area | 1,464 sqft |
| Basement Area | 1,144 sqft |
| Unfinished Basement | 1,144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Lot Area | 79,279 sqft (1.82 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | Deck Area |
| Patio Area | 160 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 13640 SPENCER RD |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-9726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 263 FT OF W 2150.60 FT OF S 385 FT OF NW 1/4 EXC N 190 FT OF W 114 FT THEREOF 1.82 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 | 2017 |
| Census Tract | 12300 |
13640 Spencer Rd is owner-occupied and held in a trust since May 2008.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 13640 SPENCER RD, HEMLOCK, MI 48626-9726 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 | Name on Deed |
|---|---|
| Last Sale | May 5, 2008 |
| Deed Sale | May 5, 2008 |
| Deed Book / Page | 2504 / 1354 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 13640 Spencer Rd was $2,470 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 | $102,900 | $205,800 | |
| 2025 | $2,470.00 Homeowner's exemption | ||
| 2023 | $84,100 | $168,200 | |
| 2022 | $2,003.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13640 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 13640 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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