Saginaw County property record for 17600 Gratiot Rd, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 861 sqft · built 1930 |
| Lot Size | 0.669 acres (29,142 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $150,000 (Oct 2025) |
| Tax Bill | $1,756 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit Oct 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-29-2006-001 |
| Primary APN | 22-12-2-29-2006-001 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 861 sqft Living Area |
| 1st Floor Area | 861 sqft |
| Basement Area | 861 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Lot Area | 29,142 sqft (0.669 acres) |
| Lot Dimensions | 176 ft deep x 165 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 17600 GRATIOT RD |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-9675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG AT A PT ON E & W 1/4 LINE WHICH IS 2088.23 FT S 89?53'08" E OF W 1/4 CORN OF SD SEC TH N 03?34'35" E PARA WITH W LINE OF |
| Legal Range | 02E |
| Legal Township | 12N |
| Legal Section | 29 |
| Legal Subdivision | E2 OF THE E2 OF NW4 OF S29T12NR2E |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | RICHLAND |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 12100 |
Source: Saginaw County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 17600 GRATIOT RD, HEMLOCK, MI 48626-9675 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 19, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Oct 1, 2025 | Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC |
| Oct 1, 2025 | Intrafamily Transfer, Transfer |
| Jan 14, 2020 | Warranty Deed, Transfer CROSSROADS TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2025 · Amount on Record |
| Deed Sale | Oct 1, 2025 · Amount on Record |
| Prior Sale | Jan 14, 2020 · Amount on Record |
| Deed Document Number | 202523316 |
| Prior Transfer Date | Sep 26, 2025 |
| Prior Transfer Doc | 0000023318 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 17600 GRATIOT RD, HEMLOCK, MI 48626-9675 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Name | Verified Name |
|---|---|
| Address | 17600 GRATIOT RD, HEMLOCK, MI 48626-9675 |
| Document Number | 0000005007 |
|---|---|
| Date | Mar 19, 2024 |
| Instrument | 2024005007 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | 1 CITIZENS PLZ, PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 10, 2049 |
| Change Frequency | Monthly |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Oct 1, 2025 |
| Property Address | 17600 GRATIOT RD, HEMLOCK, MI 48626-9675 |
| Document Number | 0000023316 |
| Instrument Date | Sep 26, 2025 |
| Instrument | 2025023316 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2025 |
| Title Company | SAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17600 GRATIOT RD, HEMLOCK, MI 48626-9675 |
| Name | Verified Name |
|---|---|
| Address | 1301 ROSLYN DR, OWOSSO, MI 48867-4759 |
| Document Number | 0000023317 |
|---|---|
| Date | Oct 1, 2025 |
| Instrument | 2025023317 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Oct 1, 2025 |
| Property Address | 17600 GRATIOT RD, HEMLOCK, MI 48626-9675 |
| Document Number | 0000023318 |
| Instrument Date | Sep 26, 2025 |
| Instrument | 2025023318 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17600 GRATIOT RD, HEMLOCK, MI 48626-9675 |
| Name | Verified Name |
|---|---|
| Address | 17600 GRATIOT RD, HEMLOCK, MI 48626-9675 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jan 14, 2020 |
| Property Address | 17600 GRATIOT RD, HEMLOCK, MI 48626-9675 |
| Document Number | 0000001063 |
| Instrument Date | Jan 7, 2020 |
| Instrument | 1063 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2020 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 17600 GRATIOT RD HEMLOCK MI 486269675, HEMLOCK, MI 48626-9675 |
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 | $50,100 (+9.15%) | $100,200 (+9.15%) | |
| 2025 | $1,756.00 (+3.54%) Homeowner's exemption | $45,900 (+19.53%) | $91,800 (+19.53%) |
| 2024 | $1,696.00 (+14.52%) | ||
| 2023 | $38,400 (+7.87%) | $76,800 (+7.87%) | |
| 2022 | $1,481.00 (+8.1%) Homeowner's exemption | $35,600 | $71,200 |
| 2021 | $1,370.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% 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.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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