Saginaw County property record for 321 S Elm St, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,166 sqft · built 1900 |
| Lot Size | 0.255 acres (11,108 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,017 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-28-0176-000 |
| Primary APN | 22-12-2-28-0176-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,166 sqft Living Area |
| 1st Floor Area | 974 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,108 sqft (0.255 acres) |
| Lot Dimensions | 132 ft deep x 84 ft wide |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 66 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 321 S ELM ST |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-9328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOTS 6 & 7 EXC.S.48 FT.OF LOT 7 BLK.9. HEMLOCK CITY SEC 28 T12N R2E |
| Legal Range | 02E |
| Legal Township | 12N |
| Legal Section | 28 |
| Legal Subdivision | VILLAGE OF HEMLOCK |
| Legal Block | 9 |
| Legal Lot Number | 7 |
| Legal Unit | 7 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | RICHLAND |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 12100 |
321 S Elm St is owned and occupied by an individual who acquired it in February 2011.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 321 S ELM ST, HEMLOCK, MI 48626-9328 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 7, 2011 |
| Transfer Doc | 0000004293 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 321 S Elm St was $2,017 with a homeowner's exemption.
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 | $49,900 | $99,800 | |
| 2025 | $2,017.00 Homeowner's exemption | ||
| 2023 | $39,800 | $79,600 | |
| 2022 | $1,840.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 S Elm St 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.
The area around 321 S Elm St has no burnable land within ember reach, so its wildfire risk is not rated.
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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