220 S Hemlock Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 220 S Hemlock Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,794 sqft · built 1950
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$44,500 (Apr 2020)
Tax Bill	$526 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-0165-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-0165-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,794 sqft Living Area
1st Floor Area	1,326 sqft
Basement Area	270 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	132 ft deep x 132 ft wide
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	220 S HEMLOCK RD
City	HEMLOCK
State	MI
Zip	48626-8784
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 3 & 4 BLK 8 HEMLOCK CITY SEC 28 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	28
Legal Subdivision	HEMLOCK CITY SUB
Legal Block	8
Legal Lot Number	3 & 4
Legal Unit	3 & 4
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2014
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	220 S HEMLOCK RD, HEMLOCK, MI 48626-8784
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2020	Warranty Deed, Transfer · Conventional with PMI CASON HM LNS
Jun 8, 2017	Warranty Deed, Transfer ISABELLA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2020 · Amount on Record
Deed Sale	Apr 20, 2020 · Amount on Record
Prior Sale	Jun 8, 2017 · Amount on Record
Deed Document Number	202011423
Record Updated	Sep 20, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 20, 2020
Property Address	220 S HEMLOCK RD, HEMLOCK, MI 48626-8784
Document Number	0000011423
Instrument Date	Mar 23, 2020
Instrument	11423
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 S HEMLOCK RD HEMLOCK MI 486268784, HEMLOCK, MI 48626-8784

Mortgage

Document Number	11424
Date	Apr 20, 2020
Instrument	11424

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	PALM BEACH GARDENS, FL 33408

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 8, 2017
Property Address	220 S HEMLOCK RD, HEMLOCK, MI 48626-8784
Document Number	2017018343
Instrument Date	May 31, 2017
Instrument	2017018343
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2058 HOTCHKISS RD, FREELAND, MI 48623-9323

Mortgage

Document Number	0000018344
Date	Jun 8, 2017
Instrument	2017018344

Lender

Name	ISABELLA BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	163 Months
Due	Jan 1, 2031

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		$72,600 (+37.24%)	$145,200 (+37.24%)
2025	$526.00 (-78.39%) Homeowner's exemption
2023		$52,900	$105,800
2022	$2,434.00

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	Not rated no burnable land within 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 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
LakeNet Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20

May also be available: Air Advantage, T-Mobile.

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