14480 Spencer Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 14480 Spencer Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,380 sqft · built 1990
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Tax Bill	$2,839 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-11-2-14-1003-000`

Property Details

APN / Parcel Number

Primary APN	`15-11-2-14-1003-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft
Basement Area	1,380 sqft
Unfinished Basement	1,380 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Lot Area	217,800 sqft (5 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	14480 SPENCER RD
City	HEMLOCK
State	MI
Zip	48626-9742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT A PT 2524.82 FT W FROM E 1/4 CORN OF SEC 14 TH W 150 FT TH N 1065.4 FT TH S64DEG 33MIN 39 SECONDS E 403 FT TH S78DEG
Legal Range	02E
Legal Township	11N
Legal Section	14
Jurisdiction	SAGINAW MI
Township / Civil Division	FREMONT
Census Block Group	2
Census Block	2013
Census Tract	12300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	14480 SPENCER RD, HEMLOCK, MI 48626-9742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FINANCIAL
Mar 25, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	14480 SPENCER RD, HEMLOCK, MI 48626-9742
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000202
Date	Jan 3, 2019
Instrument	2019000202

Lender

Name	AMERIFIRST FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2048

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	14480 SPENCER RD, HEMLOCK, MI 48626-9742
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006603
Date	Mar 25, 2020
Instrument	2020006603

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Fremont Township
Unified School District	Hemlock Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$111,300 (+17.41%)	$222,600 (+17.41%)
2025	$2,839.00 (+21.85%) Homeowner's exemption
2023		$94,800	$189,600
2022	$2,330.00

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

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	Not rated no burnable land within 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spencer Rd

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