16320 Ohara Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 16320 Ohara Rd, Hemlock, MI 48626

Property Summary

Property Type	Manufactured or Modular Home
Details	2.5 ba · 1,792 sqft · built 2000
Lot Size	1.95 acres (84,942 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Sep 2024)
Tax Bill	$1,732 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-16-4003-002`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-16-4003-002`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,792 sqft Living Area
1st Floor Area	1,792 sqft
Basement Area	1,792 sqft
Unfinished Basement	1,792 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Modular
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	84,942 sqft (1.95 acres)
Garage Area	2,600 sqft
Parking Spaces	9 Parking Spaces
Porch	Covered Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16320 OHARA RD
City	HEMLOCK
State	MI
Zip	48626-9612
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	A-1
Legal Description	E 275.33 FT OF S 310.37 FT OF W 1/2 OF SE 1/4 1.95 ACRES SEC 16 T12N R2E ***NEW PARCEL SPLIT FROM 4003 1/31/00
Legal Range	02E
Legal Township	12N
Legal Section	16
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	1
Census Block	1029
Census Tract	12100

Owner

Source: Saginaw County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	16320 OHARA RD, HEMLOCK, MI 48626-9612
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jul 10, 2017	Deed of Trust, Mortgage CHEMICAL BANK
Jun 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2024 · Amount on Record
Deed Sale	Sep 11, 2024 · Amount on Record
Prior Sale	Nov 18, 1999 · Amount on Record
Deed Document Number	202420767
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	16320 OHARA RD, HEMLOCK, MI 48626-9612
Transaction Type	Mortgage
Record Updated	Feb 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16320 OHARA RD, HEMLOCK, MI 48626-9612

Mortgage

Document Number	0000003638
Date	Feb 9, 2022
Instrument	2022003638

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	16320 OHARA RD, HEMLOCK, MI 48626-9612
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020506
Date	Jul 10, 2017
Instrument	2017020506

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Amount	Amount Recorded

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	16320 OHARA RD, HEMLOCK, MI 48626-9612
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015988
Date	Jun 13, 2019
Instrument	2019015988

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

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		$160,500 (+56.43%)	$321,000 (+56.43%)
2025	$1,732.00 (-44.47%) Homeowner's exemption
2023		$102,600	$205,200
2022	$3,119.00

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 94% of the US · lower than 87% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500
T-Mobile Fixed Wireless	100 / 20

May also be available: Point Broadband.

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