148 Spruce St, Hemlock, MI 48626 Property Records

Saginaw County property record for 148 Spruce St, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1 ba · 852 sqft · built 1920
Lot Size	0.126 acres (5,489 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Aug 2024)
Tax Bill	$269 (2025)
Deeds & Mortgages	Jul 2021 Transfer Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-0334-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-0334-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	852 sqft Living Area
1st Floor Area	852 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	45 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	148 SPRUCE ST
City	HEMLOCK
State	MI
Zip	48626-9223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOTS 14 & 15 J W PIERCE ADD TO THE VILLAGE OF HEMLOCK SEC 28 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	28
Legal Subdivision	J W PIERCE ADD
Legal Lot Number	14-15
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2024
Census Tract	12100

Owner

Source: Saginaw County records, as of July 20, 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	16805 GRATIOT RD, 6, HEMLOCK, MI 48626-9602
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Intrafamily Transfer, Transfer
Jul 26, 2019	Warranty Deed, Transfer · Conventional with PMI MEMBERS FIRST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2024 · Amount on Record
Deed Sale	Aug 9, 2024 · Amount on Record
Prior Sale	Jul 26, 2019 · Amount on Record
Deed Document Number	202418458
Prior Transfer Date	Mar 4, 2009
Prior Transfer Doc	0000007549
Record Updated	Sep 20, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Jul 2, 2021
Property Address	148 SPRUCE ST, HEMLOCK, MI 48626-9223
Document Number	2021023174
Map Reference	LB 3 PG 27
Instrument Date	Jun 2, 2021
Instrument	2021023174
Transaction Type	Transfer
Record Updated	Jul 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 SPRUCE ST, HEMLOCK, MI 48626-9223

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 26, 2019
Property Address	148 SPRUCE ST, HEMLOCK, MI 48626-9223
Document Number	0000018965
Instrument Date	Jul 16, 2019
Instrument	18965
Transaction Type	Transfer
Record Updated	Aug 7, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 SPRUCE ST HEMLOCK MI 486269223, HEMLOCK, MI 48626-9223

Mortgage

Document Number	18966
Date	Jul 26, 2019
Instrument	18966

Lender

Name	MEMBERS FIRST CU
Type	Credit Union
Address	MIDLAND, MI 48641-2165

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jul 25, 2034

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

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		$40,600 (+8.56%)	$81,200 (+8.56%)
2025	$269.00 (-83.57%) Homeowner's exemption	$37,400 (+15.08%)	$74,800 (+15.08%)
2023		$32,500	$65,000
2022	$1,637.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 99.1% of the US · lower than 98.4% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HEMLOCK/RICHLAND TOWNSHIP serves 1,632 people · EPA ID MI0003110
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	6 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli not recorded as resolved · Oct 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
LakeNet Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20

May also be available: Air Advantage, T-Mobile.

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