232 Henry St, Hemlock, MI 48626 Property Records

Saginaw County property record for 232 Henry St, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,526 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Oct 2025)
Tax Bill	$2,928 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-0187-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-0187-000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,526 sqft Living Area
1st Floor Area	1,060 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Porch
Porch Area	155 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	232 HENRY ST
City	HEMLOCK
State	MI
Zip	48626-9209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 10 BLK 10 HEMLOCK CITY SEC 28 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	28
Legal Subdivision	HEMLOCK CITY SUB
Legal Block	10
Legal Lot Number	10
Legal Unit	10
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2027
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	Individual Name on Record
Mailing Address	4401 N HEMLOCK RD, HEMLOCK, MI 48626-9687
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FRANKENMUTH CU
Mar 22, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FRANKENMUTH CU
Oct 10, 2025	Warranty Deed, Transfer · Conventional Mortgage HEALTH ADVANTAGE FEDERAL CU
Oct 30, 2017	Warranty Deed, Transfer FRANKENMUTH CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2025 · Amount on Record
Deed Sale	Oct 10, 2025 · Amount on Record
Prior Sale	Oct 30, 2017 · Amount on Record
Deed Document Number	202524254
Prior Transfer Date	Jan 14, 2008
Prior Transfer Doc	0000001249
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	232 HENRY ST, HEMLOCK, MI 48626-9209
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 HENRY ST, HEMLOCK, MI 48626-9209

Mortgage

Document Number	0000022074
Date	Jun 22, 2021
Instrument	2021022074

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	232 HENRY ST, HEMLOCK, MI 48626-9209
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 HENRY ST, HEMLOCK, MI 48626-9209

Mortgage

Document Number	0000005311
Date	Mar 22, 2024
Instrument	2024005311

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	580 N MAIN ST, FRANKENMUTH, MI 48734

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2039

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 10, 2025
Property Address	232 HENRY ST, HEMLOCK, MI 48626-9209
Document Number	0000024254
Map Reference	MB 1 PG 1
Instrument Date	Oct 8, 2025
Instrument	2025024254
Transaction Type	Transfer
Record Updated	Oct 22, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	232 HENRY ST, HEMLOCK, MI 48626-9209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4401 N HEMLOCK RD, HEMLOCK, MI 48626-9687

Mortgage

Document Number	0000024255
Date	Oct 10, 2025
Instrument	2025024255

Lender

Name	HEALTH ADVANTAGE FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 30, 2017
Property Address	232 HENRY ST, HEMLOCK, MI 48626-9209
Document Number	0000029323
Instrument Date	Oct 26, 2017
Instrument	29323
Transaction Type	Transfer
Record Updated	Nov 7, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$83.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1514 N IVA RD HEMLOCK MI 486269642, HEMLOCK, MI 48626-9642

Mortgage

Document Number	29324
Date	Oct 30, 2017
Instrument	29324

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2047

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		$82,200 (+12.45%)	$164,400 (+12.45%)
2025	$2,928.00 (+2.27%) Homeowner's exemption	$73,100 (+16.96%)	$146,200 (+16.96%)
2024	$2,863.00 (+10.2%)
2023		$62,500	$125,000
2022	$2,598.00

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	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.

Nearby Properties on Henry St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures