181 Estelle Ct, Hemlock, MI 48626 Property Records

Saginaw County property record for 181 Estelle Ct, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,368 sqft · built 1964
Lot Size	0.265 acres (11,543 sqft)
Owner	2 Company Names on Record
Last Sale	$145,000 (Apr 2023)
Tax Bill	$3,098 (2025)
Deeds & Mortgages	Jan 2026 Transfer Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-4116-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-4116-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,368 sqft Living Area
1st Floor Area	1,368 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,543 sqft (0.265 acres)
Lot Dimensions	154 ft deep x 75 ft wide
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	84 sqft
Deck Area	Deck Area
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	181 ESTELLE CT
City	HEMLOCK
State	MI
Zip	48626-9303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 16 MARTIN SUBDIVISION BEING A PART OF W.1/2 OF W.1/2 OF NW1/4 OF SE1/4 SEC 28 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	28
Legal Subdivision	MARTIN SUBDIVISION
Legal Lot Number	16
Legal Unit	16
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	181 ESTELLE CT, HEMLOCK, MI 48626-9303
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Intrafamily Transfer, Transfer
Apr 5, 2023	Warranty Deed, Transfer · Conventional Mortgage DOW CU
Apr 5, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2023 · Amount on Record
Deed Sale	Apr 5, 2023 · Amount on Record
Deed Document Number	20236304
Prior Transfer Date	Nov 22, 2021
Prior Transfer Doc	0000006300
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Jan 14, 2026
Property Address	181 ESTELLE CT, HEMLOCK, MI 48626-9303
Document Number	0000001050
Map Reference	LB 7 PG 5
Instrument Date	Oct 22, 2025
Instrument	2026001050
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	181 ESTELLE CT, HEMLOCK, MI 48626-9303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 ESTELLE CT, HEMLOCK, MI 48626-9303

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 5, 2023
Property Address	181 ESTELLE CT, HEMLOCK, MI 48626-9303
Document Number	0000006304
Map Reference	LB 7 PG 5
Instrument Date	Mar 30, 2023
Instrument	2023006304
Transaction Type	Transfer
Record Updated	Apr 19, 2023
Title Company	HOMELAND TITLE, HOMELAND TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,087.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	181 ESTELLE CT, HEMLOCK, MI 48626-9303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 ESTELLE CT, HEMLOCK, MI 48626-9303

Mortgage

Document Number	0000006305
Date	Apr 5, 2023
Instrument	2023006305

Lender

Name	DOW CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2038

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Apr 5, 2023
Property Address	181 ESTELLE CT, HEMLOCK, MI 48626-9303
Document Number	0000006300
Instrument Date	Nov 22, 2021
Instrument	2023006300
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	181 ESTELLE CT, HEMLOCK, MI 48626-9303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 ESTELLE CT, HEMLOCK, MI 48626-9303

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		$85,500 (+9.2%)	$171,000 (+9.2%)
2025	$3,098.00 (+3.4%) Homeowner's exemption	$78,300 (+18.28%)	$156,600 (+18.28%)
2024	$2,996.00 (+69.65%)
2023		$66,200	$132,400
2022	$1,766.00

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 93% of the US · lower than 83% 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.

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 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
LakeNet Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20

May also be available: Air Advantage, T-Mobile.

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