230 Jefferson St, Hemlock, MI 48626 Property Records

Saginaw County property record for 230 Jefferson St, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,064 sqft · built 1920
Lot Size	0.261 acres (11,369 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Feb 2019)
Tax Bill	$3,152 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-0162-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-0162-000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,064 sqft Living Area
1st Floor Area	1,376 sqft
Basement Area	1,376 sqft
Unfinished Basement	1,404 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,369 sqft (0.261 acres)
Lot Dimensions	132 ft deep x 86 ft wide
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Porch
Porch Area	54 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	230 JEFFERSON ST
City	HEMLOCK
State	MI
Zip	48626-9106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	E.20 FT.OF LOTS 8 & 9 AND ENTIRE LOT 10. -- BLK.7. HEMLOCK CITY. SEC 28 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	28
Legal Subdivision	HEMLOCK CITY SUB
Legal Block	7
Legal Lot Number	8-10
Legal Unit	10
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2021
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	230 JEFFERSON ST, HEMLOCK, MI 48626-9106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST AREA CU
Mar 31, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 21, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Feb 8, 2019	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP
Feb 19, 2019	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2019 · Amount on Record
Deed Sale	Feb 8, 2019 · Amount on Record
Prior Sale	Mar 8, 2001 · Amount on Record
Deed Document Number	20192518
Prior Transfer Date	Feb 7, 2019
Prior Transfer Doc	0000003122
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	230 JEFFERSON ST, HEMLOCK, MI 48626-9106
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 JEFFERSON ST, HEMLOCK, MI 48626-9106

Mortgage

Document Number	0000012604
Date	May 22, 2023
Instrument	2023012604

Lender

Name	FIRST AREA CU
Type	Credit Union
Address	SAGINAW, MI 48609

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2033

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	230 JEFFERSON ST, HEMLOCK, MI 48626-9106
Transaction Type	Mortgage
Record Updated	Apr 12, 2021
Title Company	ABSTRACT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 JEFFERSON ST, HEMLOCK, MI 48626-9106

Mortgage

Document Number	2021009486
Date	Mar 31, 2021
Instrument	2021009486

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	May 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	230 JEFFERSON ST, HEMLOCK, MI 48626-9106
Document Number	0000012076
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	230 JEFFERSON ST HEMLOCK MI 486269106, HEMLOCK, MI 48626-9106

Mortgage

Document Number	0000012076
Date	Apr 29, 2020
Instrument	12076

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Feb 8, 2019
Property Address	230 JEFFERSON ST, HEMLOCK, MI 48626-9106
Document Number	2019002518
Instrument Date	Feb 7, 2019
Instrument	2019002518
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	3212 W GRACELAWN AVE, FLINT, MI 48504-1457

Mortgage

Document Number	0000002519
Date	Feb 8, 2019
Instrument	2019002519

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 2048

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Feb 19, 2019
Property Address	230 JEFFERSON ST, HEMLOCK, MI 48626-9106
Document Number	0000003122
Instrument Date	Feb 7, 2019
Instrument	3122
Transaction Type	Transfer
Record Updated	Mar 5, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	30 JEFFERSON ST HEMLOCK MI 48626, HEMLOCK, MI 48626

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		$95,000 (+25.66%)	$190,000 (+25.66%)
2025	$3,152.00 (+13.18%) Homeowner's exemption
2023		$75,600	$151,200
2022	$2,785.00

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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