Saginaw County property record for 221 S Elm St, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,621 sqft |
| Lot Size | 0.139 acres (6,055 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $45,000 (Sep 2017) |
| Tax Bill | $2,669 (2025) |
| Deeds & Mortgages | Apr 2019 Line of Credit Sep 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-28-0168-000 |
| Primary APN | 22-12-2-28-0168-000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,621 sqft Living Area |
| 1st Floor Area | 1,621 sqft |
| Exterior Material | Wood Siding |
|---|---|
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,055 sqft (0.139 acres) |
| Lot Dimensions | 132 ft deep x 46 ft wide |
| Porch | Covered Porch |
| Porch Area | 132 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 221 S ELM ST |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-8658 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | S 46 FT OF LOT 6 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 | 6 |
| Legal Unit | 6 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | RICHLAND |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 12100 |
221 S Elm St is owned by two individuals who bought it in September 2017.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 912 SAINT MARYS DR, HEMLOCK, MI 48626-9805 |
| 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 |
|---|---|
| Apr 24, 2019 | Deed of Trust, Mortgage · Line of Credit ISABELLA BK |
| Sep 22, 2017 | Warranty Deed, Transfer CROSSROADS TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2017 · Amount on File |
| Deed Sale | Sep 22, 2017 · Amount on File |
| Prior Sale | Jan 28, 1998 · Amount on File |
| Deed Document Number | 201726225 |
| Deed Book / Page | 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 221 S ELM ST, HEMLOCK, MI 48626-8658 |
| Document Number | 0000013021 |
| Instrument Date | Apr 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 912 SAINT MARYS DR HEMLOCK MI 486269614, HEMLOCK, MI 48626-9614 |
| Document Number | 0000013021 |
|---|---|
| Date | May 7, 2019 |
| Instrument | 13021 |
| Name | ISABELLA BK |
|---|---|
| Type | Bank |
| Address | BRECKENRIDGE, MI 48615 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Sep 22, 2017 |
| Property Address | 221 S ELM ST, HEMLOCK, MI 48626-8658 |
| Document Number | 0000026225 |
| Instrument Date | Sep 15, 2017 |
| Instrument | 26225 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2017 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $45.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 912 SAINT MARYS DR HEMLOCK MI 486269614, HEMLOCK, MI 48626-9614 |
The 2025 property tax bill for 221 S Elm St was $2,669.
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 | $51,100 | $102,200 | |
| 2025 | $2,669.00 | ||
| 2023 | $37,300 | $74,600 | |
| 2022 | $2,423.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 221 S Elm 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.
The area around 221 S Elm St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 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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