Saginaw County property record for 2315 N Hemlock Rd, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,756 sqft · built 1944 |
| Lot Size | 2.39 acres (104,108 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,400 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-16-4001-003 |
| Primary APN | 22-12-2-16-4001-003 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,756 sqft Living Area |
| 1st Floor Area | 1,756 sqft |
| Basement Area | 1,656 sqft |
| Unfinished Basement | 1,656 sqft |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 104,108 sqft (2.39 acres) |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 32 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2315 N HEMLOCK RD |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-8625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | COM AT E 1/4 CORN OF SEC TH S 757.78 FT TO POB TH W 330 FT TH S 315 FT TH E 330 FT TH N 315 FT TO POB - 2.39 ACRES SEC 16 |
| Legal Range | 02E |
| Legal Township | 12N |
| Legal Section | 16 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | RICHLAND |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 12100 |
2315 N Hemlock Rd 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 | PO BOX 620, HEMLOCK, MI 48626-0620 |
| 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 |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage · VA Mortgage LIT FINANCIAL CORP |
| Sep 22, 2017 | Deed of Trust, Mortgage · VA Mortgage THE HUNTINGTON NATIONAL BANK |
| Jun 27, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 2315 N HEMLOCK RD, HEMLOCK, MI 48626-8625 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 620, HEMLOCK, MI 48626-0620 |
| Document Number | 0000006283 |
|---|---|
| Date | Mar 27, 2026 |
| Instrument | 2026006283 |
| Name | LIT FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | 3221 W BIG BEAVER RD STE 313, TROY, MI 48084 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 2315 N HEMLOCK RD, HEMLOCK, MI 48626-8625 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000026286 |
|---|---|
| Date | Sep 22, 2017 |
| Instrument | 2017026286 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Oct 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jun 27, 2017 |
| Property Address | 2315 N HEMLOCK RD, HEMLOCK, MI 48626-8625 |
| Document Number | 0000019668 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 19668 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2315 N HEMLOCK RD HEMLOCK MI 486268625, HEMLOCK, MI 48626-8625 |
The 2025 property tax bill for 2315 N Hemlock Rd was $3,400 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 | $131,000 | $262,000 | |
| 2025 | $3,400.00 Homeowner's exemption | ||
| 2023 | $98,400 | $196,800 | |
| 2022 | $2,857.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2315 N Hemlock Rd 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 2315 N Hemlock Rd 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: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LakeNet Fiber | 1,000 / 500 |
| T-Mobile Fixed Wireless | 100 / 20 |
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