18745 Ohara Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 18745 Ohara Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,596 sqft · built 1980
Lot Size	27.1 acres (1,183,090 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,694 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-19-2002-005`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-19-2002-005`
Alternative APN	`22122192002002`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,596 sqft Living Area
1st Floor Area	812 sqft
Basement Area	812 sqft
Unfinished Basement	784 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,183,090 sqft (27.1 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	128 sqft
Deck Area	Deck Area
Patio Area	414 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18745 OHARA RD
City	HEMLOCK
State	MI
Zip	48626-9613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	GOVT LOT 1 ALSO W 20 ACRES OF N 40 ACRES OF E 80 ACRES OF NW FRL 1/4 EXC THAT PART THEREOF LYING SLY & WLY OF C/L OF COUNTY
Legal Range	02E
Legal Township	12N
Legal Section	19
Legal Lot Number	1
Legal Unit	1
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	1
Census Block	1035
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	2 Individual Names on Record
Mailing Address	18745 OHARA RD, HEMLOCK, MI 48626-9613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
Jan 4, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2000
Deed Sale	Jan 17, 2000
Deed Book / Page	2477 / 974
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	18745 OHARA RD, HEMLOCK, MI 48626-9613
Transaction Type	Mortgage
Record Updated	Dec 15, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18745 OHARA RD, HEMLOCK, MI 48626-9613

Mortgage

Document Number	0000037688
Date	Dec 1, 2021
Instrument	2021037688

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	18745 OHARA RD, HEMLOCK, MI 48626-9613
Document Number	0000000665
Instrument Date	Jan 4, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18745 OHARA RD HEMLOCK MI 486269613, HEMLOCK, MI 48626-9613

Mortgage

Document Number	0000000665
Date	Jan 9, 2019
Instrument	665

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2049

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		$188,700 (+11.26%)	$377,400 (+11.26%)
2025	$4,694.00 (+13.57%) Homeowner's exemption	$169,600 (+17.05%)	$339,200 (+17.05%)
2023		$144,900	$289,800
2022	$4,133.00

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500

May also be available: CMS Internet, Point Broadband.

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