16970 Gratiot Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 16970 Gratiot Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,973 sqft · built 1957
Lot Size	0.91 acres (39,640 sqft)
Owner	Individual Name on Record
Last Sale	$185,575 (Jul 2021)
Tax Bill	$4,117 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jul 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-2008-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-2008-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,973 sqft Living Area
1st Floor Area	1,973 sqft
Basement Area	1,365 sqft
Unfinished Basement	1,365 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,640 sqft (0.91 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	986 sqft
Patio Area	1,200 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	16970 GRATIOT RD
City	HEMLOCK
State	MI
Zip	48626-9625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	BEG AT W 1/4 CORN TH N ON W LINE OF SEC 28 191.18 FT TH N87DEG 38MIN 12 SECONDS E 203.69 FT TH S13DEG 46MIN 22 SECONDS E
Legal Range	02E
Legal Township	12N
Legal Section	28
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2004
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	Individual Name on Record
Mailing Address	16970 GRATIOT RD, HEMLOCK, MI 48626-9625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Warranty Deed, Transfer · Conventional Mortgage ADVISORS CAPITAL INC
Jul 30, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2021 · Amount on Record
Deed Sale	Jul 30, 2021 · Amount on Record
Prior Sale	Sep 5, 2014 · Amount on Record
Deed Document Number	202125563
Prior Transfer Date	Dec 5, 2013
Prior Transfer Doc	0000038211
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 30, 2021
Property Address	16970 GRATIOT RD, HEMLOCK, MI 48626-9625
Document Number	2021025563
Instrument Date	Jul 27, 2021
Instrument	2021025563
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,395.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16970 GRATIOT RD, 16970, HEMLOCK, MI 48626-9625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16970 GRATIOT RD, HEMLOCK, MI 48626-9625

Mortgage

Document Number	2021025564
Date	Jul 30, 2021
Instrument	2021025564

Lender

Name	ADVISORS CAPITAL INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Jul 30, 2021
Property Address	16970 GRATIOT RD, HEMLOCK, MI 48626-9625
Document Number	2021025565
Instrument Date	Jul 27, 2021
Instrument	2021025565
Transaction Type	Transfer
Record Updated	Aug 11, 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
Relationship	Joint Tenants with Right of Survivorship
Address	16970 GRATIOT RD, HEMLOCK, MI 48626-9625

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		$133,500 (+15.78%)	$267,000 (+15.78%)
2025	$4,117.00 (+19.13%) Homeowner's exemption	$115,300 (+22.66%)	$230,600 (+22.66%)
2023		$94,000	$188,000
2022	$3,456.00

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.

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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