15620 Gratiot Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 15620 Gratiot Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,256 sqft · built 1951
Lot Size	0.525 acres (22,869 sqft)
Owner	Individual Name on File
Last Sale	$175,703 (Sep 2026)
Tax Bill	$1,877 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-27-2111-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-27-2111-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,256 sqft Living Area
1st Floor Area	1,256 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,869 sqft (0.525 acres)
Lot Dimensions	231 ft deep x 99 ft wide
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15620 GRATIOT RD
City	HEMLOCK
State	MI
Zip	48626-9463
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	W 99 FT OF E 747.2 FT OF S 231 FT OF NW 1/4 ALSO KNOWN AS W 1/2 OF LOT 10 & LOT 11 R B BEAVERS PLAT UNRECORDED .53 ACRE SEC
Legal Range	02E
Legal Township	12N
Legal Section	27
Legal Subdivision	R B BEAVERS
Legal Lot Number	10-11
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2000
Census Tract	12100

Owner

15620 Gratiot Rd is owned and occupied by an individual who bought it in September 2026.

Source: Saginaw County records, as of September 21, 2026

Owner of Record	Individual Name on File
Mailing Address	15620 GRATIOT RD, HEMLOCK, MI 48626-9463
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2026 · Amount on File
Deed Sale	Sep 10, 2026 · Amount on File
Deed Document Number	202623042
Prior Transfer Date	Nov 4, 2013
Prior Transfer Doc	0000035274
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 10, 2026
Property Address	15620 GRATIOT RD, HEMLOCK, MI 48626-9463
Document Number	0000023042
Instrument Date	Sep 9, 2026
Instrument	202623042
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	ACURA TITLE, ACRISURE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133,094.77
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15620 GRATIOT RD, HEMLOCK, MI 48626-9463

Mortgage

Document Number	0000023043,
Date	Sep 10, 2026
Instrument	202623043

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000023044,
Date	Sep 10, 2026
Instrument	202623044

Lender

Name	MICHIGAN STATE HSNG DEV AUTH

Agreement

Amount	Amount on Record

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 15620 Gratiot Rd was $1,877 with a homeowner's exemption.

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		$68,600	$137,200
2025	$1,877.00 Homeowner's exemption
2023		$52,000	$104,000
2022	$1,579.00

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

FEMA maps place 15620 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

Wildfire risk around 15620 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 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.

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 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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