Saginaw County property record for 232 S Hemlock Rd, Hemlock, MI 48626 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,120 sqft · built 1923 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Sep 2023) |
| Tax Bill | $560 (2025) |
| Deeds & Mortgages | Sep 2023 Sale Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-28-0164-000 |
| Primary APN | 22-12-2-28-0164-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 912 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Exterior Material | Wood Siding |
| 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 | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 30 sqft |
| Deck Area | 24 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 232 S HEMLOCK RD |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-8784 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 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 | 2 |
| Legal Unit | 2 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | RICHLAND |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 12100 |
Source: Saginaw County records · APN 22-12-2-28-0164-000
Assessment roll updated September 9, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 813 N JACKSON ST, 4, BAY CITY, MI 48708-5984 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2023 | Warranty Deed, Transfer CROSSROADS TITLE |
| Jun 26, 2019 | Warranty Deed, Transfer QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 15, 2023 · Amount on Record |
| Deed Sale | Sep 15, 2023 · Amount on Record |
| Prior Sale | Jun 26, 2019 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Sep 15, 2023 |
| Property Address | 232 S HEMLOCK RD, HEMLOCK, MI 48626-8784 |
| Document Number | 0000020583 |
| Map Reference | LB 1 PG 1 |
| Instrument Date | Sep 12, 2023 |
| Instrument | 2023020583 |
| Transaction Type | Transfer |
| Record Updated | Oct 03, 2023 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 232 S HEMLOCK RD, HEMLOCK, MI 48626-8784 |
| Name | Verified Name |
|---|---|
| Address | 813 N JACKSON ST APT 4, 4, BAY CITY, MI 48708-5984 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jun 26, 2019 |
| Property Address | 232 S HEMLOCK RD, HEMLOCK, MI 48626-8784 |
| Document Number | 0000016928 |
| Instrument Date | Jun 24, 2019 |
| Instrument | 16928 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2019 |
| Title Company | CROSSROADS TITLE AGENCY, CROSSROADS TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $79.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18809 DICE RD MERRILL MI 486379544, MERRILL, MI 48637-9544 |
| Document Number | 16929 |
|---|---|
| Date | Jun 26, 2019 |
| Instrument | 16929 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 25, 2049 |
Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Richland Township |
| Unified School District | Hemlock Public School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $57,900 (+29.53%) | $115,800 (+29.53%) | |
| 2025 | $560.00 (-72.37%) Homeowner's exemption | ||
| 2023 | $44,700 (+17.94%) | $89,400 (+17.94%) | |
| 2022 | $2,027.00 (+4.75%) Homeowner's exemption | $37,900 | $75,800 |
| 2021 | $1,935.00 |
Source: FEMA National Flood Hazard Layer, Saginaw County (26145C), updated March 29, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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