Saginaw County property record for 151 Kratz Pl, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,144 sqft · built 1967 |
| Lot Size | 0.228 acres (9,932 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $30,000 (May 1995) |
| Tax Bill | $2,486 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-28-4162-000 |
| Primary APN | 22-12-2-28-4162-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,144 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,932 sqft (0.228 acres) |
| Lot Dimensions | 124 ft deep x 80 ft wide |
| Garage Area | 884 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 20 sqft |
| Patio Area | 200 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 151 KRATZ PL |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-9309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 12 KRATZ SUBDIVISION SEC 28 T12N R2E |
| Legal Range | 02E |
| Legal Township | 12N |
| Legal Section | 28 |
| Legal Subdivision | KRATZ SUBDIVISION |
| Legal Lot Number | 12 |
| Legal Unit | 12 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | RICHLAND |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 12100 |
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 | 151 KRATZ PL, HEMLOCK, MI 48626-9309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 1995 · Amount on File |
| Deed Sale | May 12, 1995 · Amount on File |
| Deed Book / Page | 1935 / 586 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 151 KRATZ PL, HEMLOCK, MI 48626-9309 |
| Document Number | 0000029532 |
| Instrument Date | Oct 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 151 KRATZ PL HEMLOCK MI 486269309, HEMLOCK, MI 48626-9309 |
| Document Number | 0000029532 |
|---|---|
| Date | Nov 1, 2017 |
| Instrument | 29532 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 31, 2037 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Richland Township |
| Unified School District | Hemlock Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $75,100 (+31.29%) | $150,200 (+31.29%) | |
| 2025 | $2,486.00 (+11.53%) Homeowner's exemption | ||
| 2023 | $57,200 | $114,400 | |
| 2022 | $2,229.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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