3 Round Lake Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 3 Round Lake Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,045 sqft · built 2003
Lot Size	5.18 acres (225,641 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Jan 2022)
Tax Bill	$8,728 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-33-4003-003`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-33-4003-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,045 sqft Living Area
1st Floor Area	2,045 sqft
Basement Area	1,860 sqft
Unfinished Basement	1,860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	225,641 sqft (5.18 acres)
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	121 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3 ROUND LAKE RD
City	HEMLOCK
State	MI
Zip	48626-8644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	COM AT S 1/4 CORN OF SEC TH N 626.95 FT TO POB TH CONT N 300.27 FT TH E 752.37 FT TH S 300.29 FT TH W 752.06 FT TO POB 5.18
Legal Range	02E
Legal Township	12N
Legal Section	33
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	3
Census Block	3013
Census Tract	12100

Owner

3 Round Lake Rd is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 ROUND LAKE RD, HEMLOCK, MI 48626-8644
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
Aug 15, 2022	Deed of Trust, Mortgage · Line of Credit 1ST STATE BANK
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jan 14, 2022	Warranty Deed, Transfer · Conventional Mortgage 1ST STATE BANK
Nov 12, 2019	Warranty Deed, Transfer · Stand-Alone Refinance CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2022 · Amount on File
Deed Sale	Jan 14, 2022 · Amount on File
Prior Sale	Nov 12, 2019 · Amount on File
Deed Document Number	20221615
Prior Transfer Date	Nov 3, 2003
Prior Transfer Doc	0007183175
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	3 ROUND LAKE RD, HEMLOCK, MI 48626-8644
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ROUND LAKE RD, HEMLOCK, MI 48626-8644

Mortgage

Document Number	0000021950
Date	Aug 15, 2022
Instrument	2022021950

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	3 ROUND LAKE RD, HEMLOCK, MI 48626-8644
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ROUND LAKE RD, HEMLOCK, MI 48626-8644

Mortgage

Document Number	0000022357
Date	Jun 24, 2021
Instrument	2021022357

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43220

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 14, 2022
Property Address	3 ROUND LAKE RD, HEMLOCK, MI 48626-8644
Document Number	0000001615
Instrument Date	Jan 14, 2022
Instrument	2022001615
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 ROUND LAKE RD, 3, HEMLOCK, MI 48626-8644

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 TIMBERWOOD LN, SAGINAW, MI 48609-8506

Mortgage

Document Number	0000001616
Date	Jan 14, 2022
Instrument	2022001616

Lender

Name	1ST STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 12, 2019
Property Address	3 ROUND LAKE RD, HEMLOCK, MI 48626-8644
Document Number	0000027807
Instrument Date	Nov 4, 2019
Instrument	2019027807
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount on Record
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
Address	4851 TEE LAKE RD, WEST BRANCH, MI 48661-9138

Mortgage

Document Number	0000027808
Date	Nov 12, 2019
Instrument	2019027808

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3 Round Lake Rd was $8,728 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		$234,100	$468,200
2025	$8,728.00 Homeowner's exemption
2023		$200,400	$400,800
2022	$6,255.00

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

FEMA maps place 3 Round Lake 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 3 Round Lake 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 87% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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