322 S Hemlock Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 322 S Hemlock Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1 ba · 896 sqft · built 1900
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$111,650 (Mar 2026)
Tax Bill	$2,143 (2025)
Deeds & Mortgages	Jan 2025 Line of Credit Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-0172-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-0172-000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	896 sqft Living Area
1st Floor Area	896 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	132 ft deep x 99 ft wide
Porch	Covered Porch
Porch Area	223 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	322 S HEMLOCK RD
City	HEMLOCK
State	MI
Zip	48626-8784
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	N 1/2 OF LOT 2 ALSO ENTIRE LOT 3 BLK 9 HEMLOCKCITY SEC 28 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	28
Legal Subdivision	HEMLOCK CITY SUB
Legal Block	9
Legal Lot Number	2-3
Legal Unit	2-3
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2013
Census Tract	12100

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	4588 SWAFFER RD, MILLINGTON, MI 48746-9406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Mar 6, 2026	Warranty Deed, Transfer · Conventional Mortgage STAUNTON FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2026 · Amount on Record
Deed Sale	Mar 6, 2026 · Amount on Record
Prior Sale	Mar 27, 1998 · Amount on Record
Deed Document Number	20264535
Prior Transfer Date	Nov 15, 2017
Prior Transfer Doc	0000002248
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	322 S HEMLOCK RD, HEMLOCK, MI 48626-8784
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 166, HEMLOCK, MI 48626-0166

Mortgage

Document Number	0000000840
Date	Jan 15, 2025
Instrument	2025000840

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	5555 CLEVELAND AVE, COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2055

Interest

Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Mar 6, 2026
Property Address	322 S HEMLOCK RD, HEMLOCK, MI 48626-8784
Document Number	0000004535
Map Reference	LB 1 PG 1
Instrument Date	Mar 2, 2026
Instrument	2026004535
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	HOMELAND TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6147 BIRCHVIEW DR, SAGINAW, MI 48609-7004

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4588 SWAFFER RD, MILLINGTON, MI 48746-9406

Mortgage

Document Number	0000004536
Date	Mar 6, 2026
Instrument	2026004536

Lender

Name	STAUNTON FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Mortgage

Document Number	0000004537
Date	Mar 6, 2026
Instrument	2026004537

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	26261 EVERGREEN RD # 510, SOUTHFIELD, MI 48076

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

Tax Assessment & Valuation

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		$38,200 (+10.09%)	$76,400 (+10.09%)
2025	$2,143.00 (+1.9%)	$34,700 (+21.33%)	$69,400 (+21.33%)
2024	$2,103.00 (+7.3%)
2023		$28,600	$57,200
2022	$1,960.00

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 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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