15420 Gratiot Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 15420 Gratiot Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,643 sqft · built 1948
Lot Size	0.72 acres (31,363 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Apr 2018)
Tax Bill	$2,428 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Apr 2018 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-27-1002-001`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-27-1002-001`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,643 sqft Living Area
1st Floor Area	1,383 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,363 sqft (0.72 acres)
Porch	Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	15420 GRATIOT RD
City	HEMLOCK
State	MI
Zip	48626-9417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	COM AT E 1/4 CORN OF SEC TH S86DEG W 2170.02 FT TO POB TH CONT W 150 FT TH N 214.50 FT TH N86DEG E 110 FT TH S41DEG E 61.18
Legal Range	02E
Legal Township	12N
Legal Section	27
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2000
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	15420 GRATIOT RD, HEMLOCK, MI 48626-9417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Apr 16, 2018	Warranty Deed, Transfer · Stand-Alone Refinance THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2018 · Amount on Record
Deed Sale	Apr 16, 2018 · Amount on Record
Prior Sale	Dec 15, 2006
Deed Document Number	201811904
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	15420 GRATIOT RD, HEMLOCK, MI 48626-9417
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15420 GRANT RD, HEMLOCK, MI 48626

Mortgage

Document Number	0000008008
Date	Mar 17, 2021
Instrument	2021008008

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 12, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 16, 2018
Property Address	15420 GRATIOT RD, HEMLOCK, MI 48626-9417
Document Number	0000011904
Instrument Date	Apr 5, 2018
Instrument	2018011904
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15420 GRATIOT RD, HEMLOCK, MI 48626-9417

Mortgage

Document Number	0000011905
Date	Apr 16, 2018
Instrument	2018011905

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	May 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		$70,100 (+32.77%)	$140,200 (+32.77%)
2025	$2,428.00 (+12.56%) Homeowner's exemption
2023		$52,800	$105,600
2022	$2,157.00

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 95% of the US · lower than 89% 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: LakeNet, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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