232 Spruce St, Hemlock, MI 48626 Property Records

Saginaw County property record for 232 Spruce St, Hemlock, MI 48626 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 865 sqft · built 1948
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Apr 2026)
Tax Bill	$477 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jan 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-0342-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-0342-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	865 sqft Living Area
1st Floor Area	865 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	52 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	232 SPRUCE ST
City	HEMLOCK
State	MI
Zip	48626-9353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 22 & 23 J W PIERCE ADD TO THE VILLAGE OF HEMLOCK SEC 28 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	28
Legal Subdivision	J W PIERCE ADD
Legal Lot Number	22-23
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2024
Census Tract	12100

Owner

Source: Saginaw County records · APN 22-12-2-28-0342-000

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	2 Individual Names on File
Mailing Address	11215 BALDWIN RD, CHESANING, MI 48616-9496
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 17, 2024	Quit Claim Deed, Transfer Quitclaim
Jul 28, 2020	Warranty Deed, Transfer HOMELAND TITLE, HOMELAND TITLE SERVICE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 23, 2026 · Amount on Record
Deed Sale	Apr 23, 2026 · Amount on Record
Prior Sale	Jul 28, 2020 · Amount on Record
Deed Document Number	202611469
Prior Transfer Date	Dec 15, 2023
Prior Transfer Doc	0000001038
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 23, 2026
Property Address	232 SPRUCE ST, HEMLOCK, MI 48626-9353
Document Number	0000011469
Instrument Date	Apr 09, 2026
Instrument	202611469
Transaction Type	Transfer
Record Updated	Jul 06, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$90,900.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11215 BALDWIN RD, CHESANING, MI 48616-9496

Mortgage

Document Number	0000011470,
Date	Apr 23, 2026
Instrument	202611470

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate	6.11%
Max Rate	-1%

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 17, 2024
Property Address	232 SPRUCE ST, HEMLOCK, MI 48626-9353
Document Number	0000001038
Map Reference	LB 3 PG 27
Instrument Date	Dec 15, 2023
Instrument	2024001038
Transaction Type	Transfer
Record Updated	Feb 02, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10867 DICE RD, FREELAND, MI 48623-8522

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 SPRUCE ST, HEMLOCK, MI 48626-9353

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jul 28, 2020
Property Address	232 SPRUCE ST, HEMLOCK, MI 48626-9353
Document Number	0000018609
Instrument Date	Jul 17, 2020
Instrument	18609
Transaction Type	Transfer
Record Updated	Sep 04, 2020
Title Company	HOMELAND TITLE, HOMELAND TITLE SERVICE

Transaction

Amount	Amount Recorded
Tax	$32.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10867 DICE RD FREELAND MI 486238522, FREELAND, MI 48623-8522

Tax Assessment & Valuation

Source: Saginaw County records · Assessment roll updated September 9, 2025 · Last verified July 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

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		$50,700 (+9.98%)	$101,400 (+9.98%)
2025	$477.00 (-81.56%) Homeowner's exemption	$46,100 (+21.96%)	$92,200 (+21.96%)
2023		$37,800	$75,600
2022	$2,587.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 240 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
LakeNet	Fiber	1,000 / 500
Verizon	Fixed Wireless	300 / 20

May also be available at this address: T-Mobile USA, Air Advantage, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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