Saginaw County property record for 15540 Gratiot Rd, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,048 sqft · built 1950 |
| Lot Size | 0.527 acres (22,956 sqft) |
| Owner | Individual Name on File |
| Last Sale | $70,000 (Aug 2022) |
| Tax Bill | $2,370 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-27-2102-000 |
| Primary APN | 22-12-2-27-2102-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,048 sqft Living Area |
| 1st Floor Area | 1,048 sqft |
| Basement Area | 1,048 sqft |
| Unfinished Basement | 1,048 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,956 sqft (0.527 acres) |
| Lot Dimensions | 232 ft deep x 99 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 15540 GRATIOT RD |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-8458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | E 186.2 FT OF S 231 FT OF S 1/2 OF NW 1/4 ALSO KNOWN AS LOTS 1 2 & E 1/2 OF LOT 3 R B BEAVERS PLAT UNRECORDED 0.98 ACRE SEC |
| Legal Range | 02E |
| Legal Township | 12N |
| Legal Section | 27 |
| Legal Subdivision | R B BEAVERS |
| Legal Lot Number | 3 |
| Legal Unit | 3 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | RICHLAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 12100 |
15540 Gratiot Rd is owned and occupied by an individual who bought it in August 2022.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15540 GRATIOT RD, HEMLOCK, MI 48626-8458 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 24, 2022 · Amount on File |
| Deed Sale | Aug 24, 2022 · Amount on File |
| Deed Document Number | 202222663 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Aug 24, 2022 |
| Property Address | 15540 GRATIOT RD, HEMLOCK, MI 48626-8458 |
| Document Number | 0000022663 |
| Instrument Date | Aug 16, 2022 |
| Instrument | 2022022663 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2022 |
| Title Company | HOMELAND TITLE, HOMELAND TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $525.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15540 GRATIOT RD, 15540, HEMLOCK, MI 48626-8458 |
| Name | Verified Name |
|---|---|
| Address | 15540 GRATIOT RD, HEMLOCK, MI 48626-8458 |
| Document Number | 0000022664 |
|---|---|
| Date | Aug 24, 2022 |
| Instrument | 2022022664 |
| Name | ISABELLA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
The 2025 property tax bill for 15540 Gratiot Rd was $2,370 with a homeowner's exemption.
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 | $69,200 | $138,400 | |
| 2025 | $2,370.00 Homeowner's exemption | ||
| 2023 | $51,900 | $103,800 | |
| 2022 | $1,640.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15540 Gratiot Rd in Zone X, an area of minimal flood risk.
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 risk around 15540 Gratiot Rd is low, with less than a 0.01% annual chance of 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.
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 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.
5G (outdoors only) and 4G LTE
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