2849 N Orr Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 2849 N Orr Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,829 sqft · built 2015
Lot Size	4.43 acres (192,971 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,728 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Dec 2017 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-13-1027-003`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-13-1027-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,829 sqft Living Area
1st Floor Area	2,829 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	192,971 sqft (4.43 acres)
Garage Area	966 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2849 N ORR RD
City	HEMLOCK
State	MI
Zip	48626-8407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	COM AT NE CORN OF SEC TH S 877.56 FT TO POB TH S 66.28 FT TH W 662 FT TH N 400.04 FT TH E 447 FT TH S 333.76 FT TH E 215 FT
Legal Range	02E
Legal Township	12N
Legal Section	13
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	1
Census Block	1030
Census Tract	12100

Owner

2849 N Orr Rd is owned and occupied by two individuals.

Source: Saginaw County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2849 N ORR RD, HEMLOCK, MI 48626-8407
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Deed of Trust, Mortgage · Line of Credit 1ST STATE BANK
Dec 26, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST STATE BANK
Oct 22, 2018	Loan Modification, Mortgage · Conventional with PMI FIRST ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	2849 N ORR RD, HEMLOCK, MI 48626-8407
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2849 N ORR RD, HEMLOCK, MI 48626-8407

Mortgage

Document Number	0000000201
Date	Jan 4, 2023
Instrument	2023000201

Lender

Name	1ST STATE BANK
Type	Bank
Address	SAGINAW, MI 48605

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Feb 1, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	2849 N ORR RD, HEMLOCK, MI 48626-8407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033801
Date	Dec 26, 2017
Instrument	2017033801

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAGINAW MI
Property Address	2849 N ORR RD, HEMLOCK, MI 48626-8407
Document Number	0000027351
Instrument Date	Oct 22, 2018
Transaction Type	Mortgage
Record Updated	Nov 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2849 N ORR RD HEMLOCK MI 486268407, HEMLOCK, MI 48626-8407

Mortgage

Document Number	0000027351
Date	Oct 26, 2018
Instrument	27351

Lender

Name	FIRST ST BK
Type	Bank
Address	SAGINAW, MI 48605

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2849 N Orr Rd was $7,728 with a homeowner's exemption.

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		$330,300	$660,600
2025	$7,728.00 Homeowner's exemption
2023		$245,300	$490,600
2022	$6,462.00

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

Flood

FEMA maps place 2849 N Orr Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2849 N Orr Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

May also be available: LakeNet.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on N Orr Rd

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