Saginaw County property record for 192 Wardin Ln, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,920 sqft · built 2022 |
| Lot Size | 0.267 acres (11,631 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,110 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Aug 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-22-3124-000 |
| Primary APN | 22-12-2-22-3124-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,920 sqft Living Area |
| 1st Floor Area | 1,696 sqft |
| Basement Area | 1,696 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 11,631 sqft (0.267 acres) |
| Lot Dimensions | 135 ft deep x 86 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 192 WARDIN LN |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-9108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 24 RICHLAND FARMS SEC 22 T12N R2E ***NEW PARCEL SPLIT FROM 3006 9/11/02 |
| Legal Range | 02E |
| Legal Township | 12N |
| Legal Section | 22 |
| Legal Subdivision | RICHLAND FARMS SUB |
| Legal Lot Number | 24 |
| Legal Unit | 24 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | RICHLAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 12100 |
192 Wardin Ln is owned and occupied by two individuals.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 192 WARDIN LN, HEMLOCK, MI 48626-9108 |
| 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.
| Date | Document |
|---|---|
| Dec 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC |
| Aug 5, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 192 WARDIN LN, HEMLOCK, MI 48626-9108 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 192 WARDIN LN, HEMLOCK, MI 48626-9108 |
| Document Number | 0000032022 |
|---|---|
| Date | Dec 22, 2022 |
| Instrument | 2022032022 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Aug 5, 2019 |
| Property Address | 192 WARDIN LN, HEMLOCK, MI 48626-9108 |
| Document Number | 0000019770 |
| Instrument Date | Jul 18, 2019 |
| Instrument | 19770 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $18.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 215 FIELDSTONE DR HEMLOCK MI 486269105, HEMLOCK, MI 48626-9105 |
The 2025 property tax bill for 192 Wardin Ln was $6,110 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 | $208,800 | $417,600 | |
| 2025 | $6,110.00 Homeowner's exemption | ||
| 2023 | $163,100 | $326,200 | |
| 2022 | $1,132.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 192 Wardin Ln 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 192 Wardin Ln 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.
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 187 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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