233 S Elm St, Hemlock, MI 48626 Property Records

Saginaw County property record for 233 S Elm St, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,400 sqft · built 1925
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Aug 2022)
Tax Bill	$3,187 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-0169-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-0169-000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,138 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
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	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	132 sqft
Patio Area	1,000 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	233 S ELM ST
City	HEMLOCK
State	MI
Zip	48626-8652
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 7 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	7
Legal Unit	7
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2014
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	2 Individual Names on Record
Mailing Address	233 S ELM ST, HEMLOCK, MI 48626-8652
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Warranty Deed, Transfer · USDA Mortgage STAUNTON FINANCIAL INC
Dec 6, 2019	Quit Claim Deed, Transfer · Conventional Mortgage FRANKENMUTH CU
May 24, 2018	Warranty Deed, Transfer HOMELAND TITLE
Feb 14, 2018	Deed in Lieu of Foreclosure, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2022 · Amount on Record
Deed Sale	Aug 31, 2022 · Amount on Record
Prior Sale	May 24, 2018 · Amount on Record
Deed Document Number	202223460
Prior Transfer Date	Nov 27, 2019
Prior Transfer Doc	0000029707
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 31, 2022
Property Address	233 S ELM ST, HEMLOCK, MI 48626-8652
Document Number	0000023460
Map Reference	LB 1 PG 1
Instrument Date	Aug 26, 2022
Instrument	2022023460
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	SAGINAW BAY AREA TITLE AGCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	233 S ELM ST, 233, HEMLOCK, MI 48626-8652

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 S ELM ST, HEMLOCK, MI 48626-8652

Mortgage

Document Number	0000023191
Date	Aug 29, 2022
Instrument	2022023191

Lender

Name	STAUNTON FINANCIAL INC
Type	Non-Lending Institution
Address	SOUTHFIELD, MI 48076

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Dec 6, 2019
Property Address	233 S ELM ST, HEMLOCK, MI 48626-8652
Document Number	0000029707
Instrument Date	Nov 27, 2019
Instrument	29707
Transaction Type	Transfer
Record Updated	Dec 26, 2019
Title Company	MICHIGAN TRUSTED TITLE AGENCY, MICHIGAN TRUSTED TITLE AGCY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	233 S ELM ST HEMLOCK MI 486268652, HEMLOCK, MI 48626-8652

Mortgage

Document Number	29708
Date	Dec 6, 2019
Instrument	29708

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 5, 2034

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	May 24, 2018
Property Address	233 S ELM ST, HEMLOCK, MI 48626-8652
Document Number	0000015206
Instrument Date	May 18, 2018
Instrument	15206
Transaction Type	Transfer
Record Updated	Jun 12, 2018
Title Company	HOMELAND TITLE

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	Joint Tenants with Right of Survivorship
Address	14751 MARION RD CHESANING MI 486168522, CHESANING, MI 48616-8522

February 2018: Deed in Lieu of Foreclosure, Transfer

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	SAGINAW MI
Recording Date	Feb 14, 2018
Property Address	233 S ELM ST, HEMLOCK, MI 48626-8652
Document Number	0000003358
Instrument Date	Feb 7, 2018
Instrument	3358
Transaction Type	Transfer
Record Updated	Feb 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6640 BAY RD SAGINAW MI 486049735, SAGINAW, MI 48604-9735

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		$71,900 (+27.94%)	$143,800 (+27.94%)
2025	$3,187.00 (+32.3%) Homeowner's exemption
2023		$56,200	$112,400
2022	$2,409.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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.

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