16945 Gratiot Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 16945 Gratiot Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,319 sqft · built 1956
Lot Size	0.729 acres (31,755 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Mar 2020)
Tax Bill	$4,119 (2025)
Deeds & Mortgages	Aug 2021 Transfer Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-3105-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-3105-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,319 sqft Living Area
1st Floor Area	2,319 sqft
Basement Area	1,617 sqft
Unfinished Basement	1,639 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,755 sqft (0.729 acres)
Lot Dimensions	147 ft deep x 216 ft wide
Garage Area	642 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	358 sqft
Patio Area	1,200 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16945 GRATIOT RD
City	HEMLOCK
State	MI
Zip	48626-8615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOTS 5 & 6 ALSO SW CORN OF LOT 5 TH E TO SE CORN OF LOT6 TH S 7 FT TH W TO W LINE OF LOT 4 TH N 7 FT TO POB PART OF SEC 28 &
Legal Range	02E
Legal Township	12N
Legal Section	28
Legal Subdivision	WOLGAST PLAT
Legal Lot Number	4-5
Legal Unit	4-5
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2025
Census Tract	12100

Owner

Source: Saginaw County records, as of August 21, 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	16945 GRATIOT RD, HEMLOCK, MI 48626-8615
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Intrafamily Transfer, Transfer
Mar 11, 2020	Warranty Deed, Transfer · Conventional Mortgage TEAM ONE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2020 · Amount on Record
Deed Sale	Mar 11, 2020 · Amount on Record
Prior Sale	Oct 11, 2006 · Amount on Record
Deed Document Number	20205773
Last Transfer Date	Jul 29, 2021
Transfer Doc	2021028035
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Aug 25, 2021
Property Address	16945 GRATIOT RD, HEMLOCK, MI 48626-8615
Document Number	2021028035
Map Reference	LB 6 PG 50
Instrument Date	Jul 29, 2021
Instrument	2021028035
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16945 GRATIOT RD, HEMLOCK, MI 48626-8615

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Mar 11, 2020
Property Address	16945 GRATIOT RD, HEMLOCK, MI 48626-8615
Document Number	0000005773
Instrument Date	Feb 28, 2020
Instrument	5773
Transaction Type	Transfer
Record Updated	Apr 3, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4831 S 10 MILE RD WHEELER MI 486629620, WHEELER, MI 48662-9620

Mortgage

Document Number	5774
Date	Mar 11, 2020
Instrument	5774

Lender

Name	TEAM ONE CU
Type	Credit Union
Address	SAGINAW, MI 48607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 10, 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		$134,600 (+8.81%)	$269,200 (+8.81%)
2025	$4,119.00 (+19.01%) Homeowner's exemption	$123,700 (+16.92%)	$247,400 (+16.92%)
2023		$105,800	$211,600
2022	$3,461.00

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 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 37 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CMS Internet.

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