Saginaw County property record for 186 E Saginaw St, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,053 sqft · built 1960 |
| Lot Size | 0.361 acres (15,725 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $55,000 (Feb 2021) |
| Tax Bill | $2,462 (2025) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-27-2012-000 |
| Primary APN | 22-12-2-27-2012-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,053 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,725 sqft (0.361 acres) |
| Lot Dimensions | 115 ft deep x 201 ft wide |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 208 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 186 E SAGINAW ST |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-9472 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | COM.AT W 1/4 POST RUN.TH.E.ON E&W 1/4 LINE 550 FT.WHICH IS THE POINT OF BEG.TH.N.231 FT.TH.E.72.8 FT.TH.S. 231 FT.TO E&W1/4 |
| Legal Range | 02E |
| Legal Township | 12N |
| Legal Section | 27 |
| Legal Subdivision | W4 CORNER OF S27T12NR2E |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | RICHLAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 12100 |
186 E Saginaw St is owned and occupied by two individuals who bought it in February 2021.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 E SAGINAW ST, HEMLOCK, MI 48626-9472 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 2, 2021 · Amount on File |
| Deed Sale | Feb 2, 2021 · Amount on File |
| Deed Document Number | 20213561 |
| Prior Transfer Date | Sep 20, 2012 |
| Prior Transfer Doc | 0000032306 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Feb 2, 2021 |
| Property Address | 186 E SAGINAW ST, HEMLOCK, MI 48626-9472 |
| Document Number | 0000003561 |
| Instrument Date | Dec 8, 2020 |
| Instrument | 2021003561 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $412.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 300 KENNELY RD, 300, SAGINAW, MI 48609-7700 |
| Name | Verified Name |
|---|---|
| Address | 186 E SAGINAW ST, HEMLOCK, MI 48626-9472 |
| Investor | Possibly a Property Investor |
| Document Number | 0000003562 |
|---|---|
| Date | Feb 2, 2021 |
| Instrument | 2021003562 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 186 E Saginaw St was $2,462 with a homeowner's exemption.
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 | $69,000 | $138,000 | |
| 2025 | $2,462.00 Homeowner's exemption | ||
| 2023 | $51,900 | $103,800 | |
| 2022 | $2,175.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 E Saginaw St 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 risk around 186 E Saginaw St 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 97% of the US · lower than 93% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 43 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 |
May also be available: T-Mobile.
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