234 Thomas St, Hemlock, MI 48626 Property Records

Saginaw County property record for 234 Thomas St, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,219 sqft · built 1909
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Aug 2025)
Tax Bill	$550 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-0539-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-0539-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,219 sqft Living Area
1st Floor Area	738 sqft
Basement Area	738 sqft
Unfinished Basement	738 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
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	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	234 THOMAS ST
City	HEMLOCK
State	MI
Zip	48626-9115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	S 165 FT OF W 66 FT OF E 198 FT OF BLK 7 EXC S 33 FT USED FOR STREET PURPOSES ARMINDA THOMAS ADDN TO THE VILLAGE OF HEMLOCK SEC 28 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	28
Legal Subdivision	THOMAS ADDN
Legal Block	7
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2005
Census Tract	12100

Owner

Source: Saginaw County records, as of July 20, 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	464 SEGREEN DR, SAGINAW, MI 48609
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jun 14, 2021	Quit Claim Deed, Transfer · VA Mortgage QUICKEN LOANS LLC
Jan 2, 2019	Warranty Deed, Transfer OTHER
Jan 2, 2019	Warranty Deed, Transfer · FHA Mortgage NEW EXECUTIVE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2025 · Amount on Record
Deed Sale	Aug 4, 2025 · Amount on Record
Prior Sale	Jan 2, 2019 · Amount on Record
Deed Document Number	202518720
Prior Transfer Date	May 29, 2005
Prior Transfer Doc	0000101845
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	234 THOMAS ST, HEMLOCK, MI 48626-9115
Transaction Type	Mortgage
Record Updated	Oct 28, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 THOMAS ST, HEMLOCK, MI 48626-9115

Mortgage

Document Number	0000006091
Date	Mar 10, 2022
Instrument	2022006091

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 14, 2021
Property Address	234 THOMAS ST, HEMLOCK, MI 48626-9115
Document Number	0000021229
Instrument Date	Jun 2, 2021
Instrument	2021021229
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	234 THOMAS ST, 234, HEMLOCK, MI 48626-9115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8075 WESTIAWN SAGINAW, SMYRNA, MI 48609

Mortgage

Document Number	0000021230
Date	Jun 14, 2021
Instrument	2021021230

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 2, 2019
Property Address	234 THOMAS ST, HEMLOCK, MI 48626-9115
Document Number	0000000083
Instrument Date	Dec 14, 2018
Instrument	83
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$58.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 THOMAS ST HEMLOCK MI 486269115, HEMLOCK, MI 48626-9115

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 2, 2019
Property Address	234 THOMAS ST, HEMLOCK, MI 48626-9115
Document Number	0000000084
Instrument Date	Dec 14, 2018
Instrument	2019000084
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
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	6166 NORMANDY DR APT 10, 10, SAGINAW, MI 48638-4344

Mortgage

Document Number	0000000085
Date	Jan 2, 2019
Instrument	2019000085

Lender

Name	NEW EXECUTIVE MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2048

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		$78,500 (+15.44%)	$157,000 (+15.44%)
2025	$550.00 (-77.9%) Homeowner's exemption	$68,000 (+17.65%)	$136,000 (+17.65%)
2023		$57,800	$115,600
2022	$2,489.00

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.

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