14610 Roe Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 14610 Roe Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,682 sqft · built 1998
Lot Size	10.2 acres (446,490 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Feb 2019)
Tax Bill	$175 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-35-2005-005`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-35-2005-005`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,682 sqft Living Area
1st Floor Area	2,682 sqft
Basement Area	2,118 sqft
Unfinished Basement	2,118 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	446,490 sqft (10.2 acres)
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	102 sqft
Deck Area	Deck Area
Patio Area	448 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	14610 ROE RD
City	HEMLOCK
State	MI
Zip	48626-8498
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	COM AT A PT 2275.39 FT E FROM W 1/4 CORN OF SEC TH N 700 FT TH W 300 FT TH N 617.10 FT TH E 647.50 FT TH S 618.14 FT TH W
Legal Range	02E
Legal Township	12N
Legal Section	35
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	3
Census Block	3007
Census Tract	12100

Owner

14610 Roe Rd is owned and occupied by two individuals who bought it in February 2019.

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 File
Mailing Address	14610 ROE RD, HEMLOCK, MI 48626-8498
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Jan 9, 2020	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Feb 26, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2019 · Amount on File
Deed Sale	Feb 25, 2019 · Amount on File
Prior Sale	Jan 31, 2007
Deed Document Number	20193688
Prior Transfer Date	Jun 14, 2011
Prior Transfer Doc	0000018877
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	14610 ROE RD, HEMLOCK, MI 48626-8498
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14610 ROE RD, HEMLOCK, MI 48626-8498

Mortgage

Document Number	0000016961
Date	May 4, 2021
Instrument	2021016961

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	14610 ROE RD, HEMLOCK, MI 48626-8498
Document Number	0000004371
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Mar 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14610 ROE RD HEMLOCK MI 486268498, HEMLOCK, MI 48626-8498

Mortgage

Document Number	0000004371
Date	Feb 26, 2020
Instrument	4371

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Feb 26, 2019
Property Address	14610 ROE RD, HEMLOCK, MI 48626-8498
Document Number	0000003688
Instrument Date	Jan 22, 2019
Instrument	3688
Transaction Type	Transfer
Record Updated	Mar 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
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	1810 KINGSTON DR SAGINAW MI 486384445, SAGINAW, MI 48638-4445

Mortgage

Document Number	3689
Date	Feb 26, 2019
Instrument	3689

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 14610 Roe Rd was $175 with a homeowner's exemption, up 6.1% from the year before.

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		$337,000	$674,000
2025	$175.00 (+6.06%) Homeowner's exemption
2024	$165.00
2022	$165.00

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

Flood

FEMA maps place 14610 Roe 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

Wildfire risk around 14610 Roe 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 93% of the US · lower than 83% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3
Frontier DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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