Saginaw County property record for 245 N Pine St, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,272 sqft · built 1985 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $23,300 (Apr 1992) |
| Tax Bill | $2,727 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-28-0529-000 |
| Primary APN | 22-12-2-28-0529-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,272 sqft Living Area |
| 1st Floor Area | 1,272 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| 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 | 1,008 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 108 sqft |
| Deck Area | Deck Area |
| Patio Area | 100 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 245 N PINE ST |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-9325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 2 BLK.6. ARMINDA THOMAS ADD.TO THE VILLAGE OF HEMLOCK SEC 28 T12N R2E |
| Legal Range | 02E |
| Legal Township | 12N |
| Legal Section | 28 |
| Legal Subdivision | ARMINDA THOMAS ADD |
| Legal Block | 6 |
| Legal Lot Number | 2 |
| Legal Unit | 2 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | RICHLAND |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 12100 |
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 | 245 N PINE ST, HEMLOCK, MI 48626-9325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 1992 · Amount on Record |
| Deed Sale | Apr 20, 1992 · Amount on Record |
| Deed Book / Page | 1822 / 554 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Apr 27, 2026 |
| Property Address | 245 N PINE ST, HEMLOCK, MI 48626-9325 |
| Document Number | 0000011722 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 202611722 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 245 N PINE ST, HEMLOCK, MI 48626-9325 |
| Investor | Possibly a Property Investor |
| Document Number | 0000011722, |
|---|---|
| Date | Apr 27, 2026 |
| Instrument | 202611722 |
| Name | ISABELLA BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Richland Township |
| Unified School District | Hemlock Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $83,600 (+13.74%) | $167,200 (+13.74%) | |
| 2025 | $2,727.00 (+12.22%) Homeowner's exemption | $73,500 (+17.79%) | $147,000 (+17.79%) |
| 2023 | $62,400 | $124,800 | |
| 2022 | $2,430.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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