232 N Hemlock Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 232 N Hemlock Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,752 sqft · built 1890
Lot Size	0.66 acres (28,750 sqft)
Owner	2 Individual Names on File
Last Sale	$180,900 (Jan 2021)
Tax Bill	$829 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-27-2016-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-27-2016-000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,752 sqft Living Area
1st Floor Area	948 sqft
Basement Area	948 sqft
Unfinished Basement	948 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,750 sqft (0.66 acres)
Lot Dimensions	199 ft deep x 144 ft wide
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Porch
Porch Area	213 sqft
Patio Area	433 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	232 N HEMLOCK RD
City	HEMLOCK
State	MI
Zip	48626-9404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	N 144.5 FT OF S 566.5 FT OF W 198 FT OF S 1/2 OF NW 1/4 ALSO BEG AT A PT 566.25 FT N FROM W 1/4 CORN OF SEC TH CONT N01DEG E 5 FT TH S89DEG E 197.85 FT TH S89DEG W 198.03 FT TO POB EXC COM AT W 1/4 CORN OF SEC 27 TH N 571.25 FT TH E 128.27 FT TO POB
Legal Range	02E
Legal Township	12N
Legal Section	27
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2000
Census Tract	12100

Owner

Source: Saginaw County assessment roll, as of September 9, 2025

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 File
Mailing Address	232 N HEMLOCK RD, HEMLOCK, MI 48626-9404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Deed of Trust, Mortgage · VA Mortgage UNION HOME MORTGAGE CORP
Jan 15, 2021	Warranty Deed, Transfer · VA Mortgage UNION HOME MORTGAGE CORP
Apr 29, 2019	Warranty Deed, Transfer RURAL HSNG SVC OR SUCCESSOR AG
May 1, 2019	Grant Deed, Transfer ATTORNEY ONLY
Jan 23, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY
Mar 18, 2017	Loan Modification, Mortgage · Conventional Mortgage FLAGSTAR BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 15, 2021 · Amount on Record
Deed Sale	Jan 15, 2021 · Amount on Record
Prior Sale	Apr 29, 2019 · Amount on Record
Deed Document Number	20211808
Prior Transfer Date	Jul 15, 2004
Prior Transfer Doc	0007222552
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	232 N HEMLOCK RD, HEMLOCK, MI 48626-9404
Transaction Type	Mortgage
Record Updated	Oct 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 N HEMLOCK RD, HEMLOCK, MI 48626-9404

Mortgage

Document Number	2021032217
Date	Oct 4, 2021
Instrument	2021032217

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 15, 2021
Property Address	232 N HEMLOCK RD, HEMLOCK, MI 48626-9404
Document Number	2021001808
Instrument Date	Jan 14, 2021
Instrument	2021001808
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,357.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4601 SUMMER RIDGE DR, 4601, HOWELL, MI 48843-9082

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 N HEMLOCK RD, HEMLOCK, MI 48626-9404

Mortgage

Document Number	2021001809
Date	Jan 15, 2021
Instrument	2021001809

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 29, 2019
Property Address	232 N HEMLOCK RD, HEMLOCK, MI 48626-9404
Document Number	0000012303
Instrument Date	Apr 23, 2019
Instrument	12303
Transaction Type	Transfer
Record Updated	May 15, 2019
Title Company	CROSSROADS TITLE AGENCY, CROSSROADS TITLE AGCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4601 SUMMER RIDGE DR HOWELL MI 488439082, HOWELL, MI 48843-9082

Mortgage

Document Number	12304
Date	Apr 29, 2019
Instrument	12304

Lender

Name	RURAL HSNG SVC OR SUCCESSOR AG
Address	ST LOUIS, MO 63166

Agreement

Amount	Amount Recorded
Term	396 Months
Due	Apr 28, 2052

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAGINAW MI
Recording Date	May 1, 2019
Property Address	232 N HEMLOCK RD, HEMLOCK, MI 48626-9404
Document Number	0000012605
Instrument Date	Jan 24, 2019
Instrument	12605
Transaction Type	Transfer
Record Updated	May 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$94.35
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 N HEMLOCK RD HEMLOCK MI 486269404, HEMLOCK, MI 48626-9404

January 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 23, 2019
Property Address	232 N HEMLOCK RD, HEMLOCK, MI 48626-9404
Document Number	0000001472
Instrument Date	Jan 11, 2019
Instrument	1472
Transaction Type	Foreclosure
Record Updated	Feb 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$93.38
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	440 S LA SALLE ST CHICAGO IL 606051028, CHICAGO, IL 60605-1028

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAGINAW MI
Property Address	232 N HEMLOCK RD, HEMLOCK, MI 48626-9404
Document Number	0000019867
Instrument Date	Mar 18, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 N HEMLOCK RD HEMLOCK MI 486269404, HEMLOCK, MI 48626-9404

Mortgage

Document Number	0000019867
Date	Jun 28, 2017
Instrument	19867

Lender

Name	FLAGSTAR BK
Type	Bank
Address	CARROLLTON, TX 75006

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2047

Interest

Rate Type	Fixed Rate
Rate	3.4%

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		$104,900 (+31.45%)	$209,800 (+31.45%)
2025	$829.00 (-8.3%) Homeowner's exemption
2023		$79,800	$159,600
2022	$904.00

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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
LakeNet Fiber	1,000 / 500
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on N Hemlock Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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