14840 Roe Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 14840 Roe Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 2000
Lot Size	9.34 acres (406,850 sqft)
Owner	2 Individual Names on Record
Last Sale	$138,000 (Jun 2017)
Tax Bill	$4,291 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-35-2004-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-35-2004-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	406,850 sqft (9.34 acres)

Exterior Amenities

Porch	Covered Porch
Porch Area	160 sqft
Deck Area	Deck Area
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	14840 ROE RD
City	HEMLOCK
State	MI
Zip	48626-7406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	SW 1/4 OF NW 1/4 EXC W 219.59 OF S 233 FT ALSO EXC N 852 FT OF S 1085 FT OF W 385 FT ALSO EXC E 450 FT OF W 669.59 FT OF S
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

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	2 Individual Names on Record
Mailing Address	14840 ROE RD, HEMLOCK, MI 48626-7406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · Line of Credit WILDFIRE CU
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage WILDFIRE CU
Jun 15, 2017	Warranty Deed, Transfer DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2017 · Amount on Record
Deed Sale	Jun 15, 2017 · Amount on Record
Deed Document Number	201718849
Last Transfer Date	Jul 20, 2020
Transfer Doc	0000020997
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	14840 ROE RD, HEMLOCK, MI 48626-7406
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14840 ROE RD, HEMLOCK, MI 48626-7406

Mortgage

Document Number	0000002154
Date	Feb 2, 2026
Instrument	2026002154

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	6640 BAY RD, SAGINAW, MI 48604

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jan 26, 2051

Interest

Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	14840 ROE RD, HEMLOCK, MI 48626-7406
Transaction Type	Mortgage
Record Updated	Feb 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14840 ROE RD, HEMLOCK, MI 48626-7406

Mortgage

Document Number	0000003187
Date	Jan 29, 2021
Instrument	2021003187

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605

Agreement

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

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 15, 2017
Property Address	14840 ROE RD, HEMLOCK, MI 48626-7406
Document Number	0000018849
Instrument Date	Jun 8, 2017
Instrument	18849
Transaction Type	Transfer
Record Updated	Jun 27, 2017
Title Company	DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE

Transaction

Amount	Amount Recorded
Tax	$138.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	590 HILLWOOD WHITE LAKE MI 483832955, WHITE LAKE, MI 48383-2955

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		$146,400 (+35.81%)	$292,800 (+35.81%)
2025	$4,291.00 (+23.34%) Homeowner's exemption
2023		$107,800	$215,600
2022	$3,479.00

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

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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