Saginaw County property record for 13975 Spencer Rd, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,764 sqft · built 1994 |
| Lot Size | 5.06 acres (220,414 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Oct 2005) |
| Tax Bill | $3,845 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-11-2-13-3002-001 |
| Primary APN | 15-11-2-13-3002-001 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,764 sqft Living Area |
| 1st Floor Area | 1,764 sqft |
| Basement Area | 1,260 sqft |
| Unfinished Basement | 1,260 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Lot Area | 220,414 sqft (5.06 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 156 sqft |
| Deck Area | Deck Area |
| Patio Area | 336 sqft |
| Total Buildings | 3 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 13975 SPENCER RD |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-8772 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 302 FT OF W 730 FT OF NW 1/4 OF SW 1/4 5.06 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 | 2019 |
| Census Tract | 12300 |
13975 Spencer Rd is owned and occupied by an individual who bought it in October 2005.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13975 SPENCER RD, HEMLOCK, MI 48626-8772 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2005 · Amount on File |
| Deed Sale | Oct 5, 2005 · Amount on File |
| Deed Book / Page | 2334 / 2332 |
| Prior Transfer Date | Dec 16, 2003 |
| Prior Transfer Doc | 0007190587 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 13975 Spencer Rd was $3,845 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 | Hemlock Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $154,600 | $309,200 | |
| 2025 | $3,845.00 Homeowner's exemption | ||
| 2023 | $127,100 | $254,200 | |
| 2022 | $3,062.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13975 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 13975 Spencer 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 95% of the US · lower than 89% 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.
Source: FCC Broadband Data Collection, based on 9 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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