14715 Gratiot Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 14715 Gratiot Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,034 sqft · built 1966
Lot Size	0.413 acres (17,990 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Sep 2020)
Tax Bill	$1,919 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-26-3011-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-26-3011-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,034 sqft Living Area
1st Floor Area	1,034 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,990 sqft (0.413 acres)
Lot Dimensions	200 ft deep x 90 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	14715 GRATIOT RD
City	HEMLOCK
State	MI
Zip	48626-8448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	E 90 FT OF W 250 FT OF N 200 FT OF NE 1/4 OF SW 1/4 - 0.41 ACRE SEC 26 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	26
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	3
Census Block	3003
Census Tract	12100

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	14715 GRATIOT RD, HEMLOCK, MI 48626-8448
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2020	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage WANIGAS CU
Jul 19, 2018	Warranty Deed, Transfer · Stand-Alone Refinance UNION HOME MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2020 · Amount on Record
Deed Sale	Sep 28, 2020 · Amount on Record
Prior Sale	Jul 19, 2018 · Amount on Record
Deed Document Number	202024292
Prior Transfer Date	May 12, 2011
Prior Transfer Doc	0000016962
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 28, 2020
Property Address	14715 GRATIOT RD, HEMLOCK, MI 48626-8448
Document Number	0000024292
Instrument Date	Sep 24, 2020
Instrument	2020024292
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14715 GRATIOT RD, 14715, HEMLOCK, MI 48626-8448

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14715 GRATIOT RD, HEMLOCK, MI 48626-8448

Mortgage

Document Number	0000024293
Date	Sep 28, 2020
Instrument	2020024293

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0000024294
Date	Sep 28, 2020
Instrument	2020024294

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	14715 GRATIOT RD, HEMLOCK, MI 48626-8448
Document Number	0000014719
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	MID-STATE TITLE SERVICES INC, MID-STATE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14745 GRATIOT RD HEMLOCK MI 486268448, HEMLOCK, MI 48626-8448

Mortgage

Document Number	0000014719
Date	Jun 5, 2020
Instrument	14719

Lender

Name	WANIGAS CU
Address	SAGINAW, MI 48603

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 4, 2035

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 19, 2018
Property Address	14715 GRATIOT RD, HEMLOCK, MI 48626-8448
Document Number	0000019808
Instrument Date	Jul 11, 2018
Instrument	2018019808
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11147 ARMSTRONG DR S, SAGINAW, MI 48609-9469

Mortgage

Document Number	0000019809
Date	Jul 19, 2018
Instrument	2018019809

Lender

Name	UNION HOME MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Aug 1, 2046

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		$63,000 (+23.53%)	$126,000 (+23.53%)
2025	$1,919.00 (+18.53%) Homeowner's exemption
2023		$51,000	$102,000
2022	$1,619.00

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 85% 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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