18149 Gratiot Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 18149 Gratiot Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,588 sqft · built 1972
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,345 (2025)
Deeds & Mortgages	Mar 2022 Mortgage May 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-30-4008-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-30-4008-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,588 sqft Living Area
1st Floor Area	1,588 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)
Garage Area	938 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Porch
Porch Area	298 sqft
Patio Area	750 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	18149 GRATIOT RD
City	HEMLOCK
State	MI
Zip	48626-8609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	W 150 FT OF E 920 FT OF THAT PART OF E 1/2 OF SE 1/4 LYING N LY OF C&O RR R/W -- 0.70 ACRE SEC 30 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	30
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	1
Census Block	1036
Census Tract	12100

Owner

18149 Gratiot Rd is owned and occupied by two individuals who acquired it in April 2016.

Source: Saginaw County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18149 GRATIOT RD, HEMLOCK, MI 48626-8609
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 18, 2022	Intrafamily Transfer, Transfer
Jul 23, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance HANTZ BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2008
Deed Sale	Jun 23, 2008
Deed Book / Page	2500 / 939
Last Transfer Date	Apr 22, 2016
Transfer Doc	0000013847
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	18149 GRATIOT RD, HEMLOCK, MI 48626-8609
Transaction Type	Mortgage
Record Updated	Mar 14, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18149 GRATLOT RD, HEMLOCK, MI 48626-8609

Mortgage

Document Number	0000005493
Date	Mar 3, 2022
Instrument	2022005493

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2032

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	May 18, 2022
Property Address	18149 GRATIOT RD, HEMLOCK, MI 48626-8609
Document Number	0000015102
Instrument Date	Sep 28, 2021
Instrument	2022015102
Transaction Type	Transfer
Record Updated	May 31, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18149 GRATIOT RD, 18149, HEMLOCK, MI 48626-8609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18149 GRATIOT RD, HEMLOCK, MI 48626-8609

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	18149 GRATIOT RD, HEMLOCK, MI 48626-8609
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE (AKA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019970
Date	Jul 23, 2018
Instrument	2018019970

Lender

Name	HANTZ BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	97 Months
Due	Aug 1, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 18149 Gratiot Rd was $3,345 with a homeowner's exemption.

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		$135,000 (+10.93%)	$270,000 (+10.93%)
2025	$3,345.00 Homeowner's exemption	$121,700	$243,400
2023		$99,500	$199,000
2022	$2,805.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 18149 Gratiot Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 18149 Gratiot Rd is low, with less than a 0.01% annual chance of 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 7 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

May also be available: LakeNet, Point Broadband.

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