220 Norbert Ln, Hemlock, MI 48626 Property Records

Saginaw County property record for 220 Norbert Ln, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,108 sqft · built 1967
Lot Size	0.328 acres (14,288 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Sep 2023)
Tax Bill	$1,083 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-26-3222-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-26-3222-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,108 sqft Living Area
1st Floor Area	2,098 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,288 sqft (0.328 acres)
Lot Dimensions	110 ft deep x 130 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	220 NORBERT LN
City	HEMLOCK
State	MI
Zip	48626-8631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 22 TURNER SUB-DIV.DIV 1 SEC 26 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	26
Legal Subdivision	TURNER SUBDIVISION DIVISION ONE
Legal Lot Number	22
Legal Unit	22
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	3
Census Block	3004
Census Tract	12100

Owner

Source: Saginaw County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4402 STELLO RD, SAGINAW, MI 48609-9131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage JOLT CREDIT UNION
Sep 12, 2023	Warranty Deed, Transfer · Conventional Mortgage JOLT CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2023 · Amount on Record
Deed Sale	Sep 12, 2023 · Amount on Record
Prior Sale	Jan 20, 2004 · Amount on Record
Deed Document Number	202320259
Prior Transfer Date	Nov 21, 2013
Prior Transfer Doc	0000036926
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	220 NORBERT LN, HEMLOCK, MI 48626-8631
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4205 VILLAGEGREEN, FREELAND, MI 48623-8857

Mortgage

Document Number	0000001416
Date	Jan 21, 2026
Instrument	2026001416

Lender

Name	JOLT CREDIT UNION
Type	Credit Union
Address	6180 STATE ST, SAGINAW, MI 48603

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Feb 1, 2033

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 12, 2023
Property Address	220 NORBERT LN, HEMLOCK, MI 48626-8631
Document Number	0000020259
Map Reference	LB 12 PG 51
Instrument Date	Sep 11, 2023
Instrument	2023020259
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 NORBERT LN, HEMLOCK, MI 48626-8631

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4402 STELLO RD, SAGINAW, MI 48609-9131

Mortgage

Document Number	0000020260
Date	Sep 12, 2023
Instrument	2023020260

Lender

Name	JOLT CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2033

Mortgage

Document Number	0000020261
Date	Sep 12, 2023
Instrument	2023020261

Lender

Name	JOLT CREDIT UNION
Type	Credit Union
Address	SAGINAW, MI 48603

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 26, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

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		$112,100 (+27.1%)	$224,200 (+27.1%)
2025	$1,083.00 (-51.65%) Homeowner's exemption
2023		$88,200 (+23.53%)	$176,400 (+23.53%)
2022	$2,240.00 (+8.63%) Homeowner's exemption	$71,400	$142,800
2021	$2,062.00

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 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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