15535 Gratiot Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 15535 Gratiot Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,672 sqft · built 1964
Lot Size	10.8 acres (472,626 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Nov 2020)
Tax Bill	$4,514 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-27-3001-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-27-3001-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,672 sqft Living Area
1st Floor Area	1,672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	472,626 sqft (10.8 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	357 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	15535 GRATIOT RD
City	HEMLOCK
State	MI
Zip	48626-8458
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B-3
Legal Description	N 700 FT OF E 1/2 OF SW 1/4 EXC THAT PART LYING WLY OF THE FOLLOWING LINE BEG AT W 1/4 CORN TH E 1885.85 FT TO POB SD LINE TH
Legal Range	02E
Legal Township	12N
Legal Section	27
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2009
Census Tract	12100

Owner

Source: Saginaw County records, as of October 14, 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	15535 GRATIOT RD, HEMLOCK, MI 48626-8458
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Deed of Trust, Mortgage · Line of Credit LEAD BANK
Nov 20, 2020	Warranty Deed, Transfer · Conventional Mortgage MID-AMERICAN MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Deed Document Number	202029652
Prior Transfer Date	Dec 16, 1999
Prior Transfer Doc	2157001936
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	Oct 5, 2026
Property Address	15535 GRATIOT RD, HEMLOCK, MI 48626-8458
Document Number	0000024976
Instrument Date	Sep 20, 2026
Instrument	202624976
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15535 GRATIOT RD, HEMLOCK, MI 48626-8458

Mortgage

Document Number	0000024976,
Date	Oct 5, 2026
Instrument	202624976

Lender

Name	LEAD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 20, 2046

Interest

Max Rate	-1%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 20, 2020
Property Address	15535 GRATIOT RD, HEMLOCK, MI 48626-8458
Document Number	2020029652
Instrument Date	Nov 13, 2020
Instrument	2020029652
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15635 GRATIOT RD, 15635, HEMLOCK, MI 48626-9463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15535 GRATIOT RD, HEMLOCK, MI 48626-8458

Mortgage

Document Number	2020029653
Date	Nov 20, 2020
Instrument	2020029653

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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		$147,300 (+17.46%)	$294,600 (+17.46%)
2025	$4,514.00 (+16.61%) Homeowner's exemption	$125,400 (+14.94%)	$250,800 (+14.94%)
2023		$109,100	$218,200
2022	$3,871.00

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
LakeNet Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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