14520 Gratiot Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 14520 Gratiot Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,050 sqft · built 1973
Lot Size	1.24 acres (54,189 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,500 (Aug 2018)
Tax Bill	$3,747 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-26-2012-001`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-26-2012-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,050 sqft Living Area
1st Floor Area	1,162 sqft
Basement Area	868 sqft
Unfinished Basement	868 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,189 sqft (1.24 acres)
Lot Dimensions	244 ft deep x 222 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	632 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	14520 GRATIOT RD
City	HEMLOCK
State	MI
Zip	48626-8451
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	PART OF SE 1/4 OF NW 1/4 COM AT W 1/4 CORN TH E ON E&W 1/4 LINE 2327.33 FT TH N00DEG 31MIN 07 SEC E 266.21 FT TH N20DEG 01MIN
Legal Range	02E
Legal Township	12N
Legal Section	26
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	3
Census Block	3001
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	14520 GRATIOT RD, HEMLOCK, MI 48626-8451
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage TEAM ONE CU
Aug 3, 2018	Warranty Deed, Transfer · Conventional Mortgage TEAM ONE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2018 · Amount on Record
Deed Sale	Aug 3, 2018 · Amount on Record
Prior Sale	Sep 19, 1994 · Amount on Record
Deed Document Number	201820844
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	14520 GRATIOT RD, HEMLOCK, MI 48626-8451
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14520 GRATIOT RD, HEMLOCK, MI 48626-8451

Mortgage

Document Number	0000008876
Date	Mar 29, 2021
Instrument	2021008876

Lender

Name	TEAM ONE CU
Type	Credit Union
Address	SAGINAW, MI 48607

Agreement

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

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 3, 2018
Property Address	14520 GRATIOT RD, HEMLOCK, MI 48626-8451
Document Number	0000020844
Instrument Date	Jul 31, 2018
Instrument	20844
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	906 PINE ST ESSEXVILLE MI 487321434, ESSEXVILLE, MI 48732-1434

Mortgage

Document Number	20845
Date	Aug 3, 2018
Instrument	20845

Lender

Name	TEAM ONE CU
Type	Credit Union
Address	SAGINAW, MI 48607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2048

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		$149,500 (+22.74%)	$299,000 (+22.74%)
2025	$3,747.00 (+19.14%) Homeowner's exemption
2023		$121,800	$243,600
2022	$3,145.00

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	Low lower than 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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