13683 Gratiot Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 13683 Gratiot Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,200 sqft · built 1967
Lot Size	0.611 acres (26,615 sqft)
Owner	2 Individual Names on Record
Last Sale	$129,900 (Dec 2023)
Tax Bill	$2,779 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-25-3009-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-25-3009-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,615 sqft (0.611 acres)
Lot Dimensions	280 ft deep x 95 ft wide
Garage Area	836 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13683 GRATIOT RD
City	HEMLOCK
State	MI
Zip	48626-8447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	E 95 FT OF W 243.5 FT OF N 280 FT OF E 1/2 OF SW 1/4 -- 0.61 ACRE 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

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 Record
Mailing Address	13683 GRATIOT RD, HEMLOCK, MI 48626-8447
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2023	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Jan 21, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2023 · Amount on Record
Deed Sale	Dec 8, 2023 · Amount on Record
Prior Sale	Jan 21, 2021 · Amount on Record
Deed Document Number	202326221
Prior Transfer Date	Jul 17, 2010
Prior Transfer Doc	0000023362
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Dec 8, 2023
Property Address	13683 GRATIOT RD, HEMLOCK, MI 48626-8447
Document Number	0000026221
Instrument Date	Dec 6, 2023
Instrument	2023026221
Transaction Type	Transfer
Record Updated	Dec 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13683 GRATIOT RD, HEMLOCK, MI 48626-8447

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	111 CAMELOT DR APT C2, C2, SAGINAW, MI 48638-6406

Mortgage

Document Number	0000026222
Date	Dec 8, 2023
Instrument	2023026222

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 21, 2021
Property Address	13683 GRATIOT RD, HEMLOCK, MI 48626-8447
Document Number	2021002212
Instrument Date	Jan 15, 2021
Instrument	2021002212
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13683 GRATIOT RD, 13683, HEMLOCK, MI 48626-8447

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 CORUNNA AVE, OWOSSO, MI 48867-3730

Mortgage

Document Number	2021002213
Date	Jan 21, 2021
Instrument	2021002213

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

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		$74,700 (+25.34%)	$149,400 (+25.34%)
2025	$2,779.00 (+36.56%) Homeowner's exemption
2023		$59,600	$119,200
2022	$2,035.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% 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

Cell Coverage

5G (outdoors only) and 4G LTE

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