Saginaw County property record for 15640 Gratiot Rd, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,236 sqft · built 1954 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Dec 2020) |
| Tax Bill | $2,972 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-27-2112-000 |
| Primary APN | 22-12-2-27-2112-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,236 sqft Living Area |
| 1st Floor Area | 1,236 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,492 sqft (0.7 acres) |
| Lot Dimensions | 231 ft deep x 132 ft wide |
| Garage Area | 1,040 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 148 sqft |
| Deck Area | Deck Area |
| Patio Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 15640 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 132 FT OF E 879.2 FT OF S 231 FT OF NW 1/4 ALSO KNOWN AS LOTS 12 & 13 R B BEAVERS PLAT UNRECORDED - 0.70 ACRE SEC 27 T12N |
| Legal Range | 02E |
| Legal Township | 12N |
| Legal Section | 27 |
| Legal Subdivision | R B BEAVERS |
| Legal Lot Number | 12-13 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | RICHLAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 12100 |
15640 Gratiot Rd is owned and occupied by an individual who bought it in December 2020.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15640 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.
| Date | Document |
|---|---|
| Feb 21, 2017 | Deed of Trust, Mortgage JPMORGAN CHASE BANK NA |
| Dec 16, 2020 | Warranty Deed, Transfer · Conventional Mortgage WANIGAS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2020 · Amount on File |
| Deed Sale | Dec 16, 2020 · Amount on File |
| Prior Sale | Jan 15, 2008 · Amount on File |
| Deed Document Number | 202031937 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 15640 GRATIOT RD, HEMLOCK, MI 48626-9463 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004109 |
|---|---|
| Date | Feb 21, 2017 |
| Book Page | 2890/0507 |
| Instrument | 2017004109 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Dec 16, 2020 |
| Property Address | 15640 GRATIOT RD, HEMLOCK, MI 48626-9463 |
| Document Number | 2020031937 |
| Instrument Date | Dec 4, 2020 |
| Instrument | 2020031937 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2021 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15640 GRATIOT RD, 15640, HEMLOCK, MI 48626-9463 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3124 YAUCK RD, SAGINAW, MI 48601-6953 |
| Document Number | 2020031938 |
|---|---|
| Date | Dec 16, 2020 |
| Instrument | 2020031938 |
| Name | WANIGAS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 15640 Gratiot Rd was $2,972 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 | $79,500 | $159,000 | |
| 2025 | $2,972.00 Homeowner's exemption | ||
| 2023 | $60,200 | $120,400 | |
| 2022 | $2,610.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15640 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 15640 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.
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 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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