4010 N Hemlock Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 4010 N Hemlock Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,700 sqft · built 1978
Lot Size	1.92 acres (83,635 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Jun 2017)
Tax Bill	$2,992 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-03-3003-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-03-3003-000`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,700 sqft Living Area
1st Floor Area	1,700 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	83,635 sqft (1.92 acres)
Lot Depth	212 ft Depth
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4010 N HEMLOCK RD
City	HEMLOCK
State	MI
Zip	48626-9683
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	W 245.7 FT OF S 225 FT OF SW 1/4 OF SW 1/4 1.27 ACRES SEC 03 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	03
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	1
Census Block	1006
Census Tract	12100

Owner

Source: Saginaw County records, as of September 9, 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	4010 N HEMLOCK RD, HEMLOCK, MI 48626-9683
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Line of Credit WILDFIRE CREDIT UNION
Apr 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
Jun 5, 2017	Warranty Deed, Transfer UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2017 · Amount on Record
Deed Sale	Jun 5, 2017 · Amount on Record
Prior Sale	Dec 12, 2012 · Amount on Record
Deed Document Number	201717796
Last Transfer Date	Apr 21, 2021
Transfer Doc	0000016013
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	Aug 26, 2026
Property Address	4010 N HEMLOCK RD, HEMLOCK, MI 48626-9683
Document Number	0000021770
Instrument Date	Aug 21, 2026
Instrument	202621770
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4010 N HEMLOCK RD, HEMLOCK, MI 48626-9683

Mortgage

Document Number	0000021770,
Date	Aug 26, 2026
Instrument	202621770

Lender

Name	WILDFIRE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 21, 2051

Interest

Max Rate	-1%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Apr 27, 2021
Property Address	4010 N HEMLOCK RD, HEMLOCK, MI 48626-9683
Document Number	2021016013
Instrument Date	Apr 21, 2021
Instrument	2021016013
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	SOLIDIFI

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4010 N HEMLOCK RD, HEMLOCK, MI 48626-9683

Mortgage

Document Number	2021016014
Date	Apr 27, 2021
Instrument	2021016014

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 5, 2017
Property Address	4010 N HEMLOCK RD, HEMLOCK, MI 48626-9683
Document Number	2017017796
Instrument Date	May 31, 2017
Instrument	2017017796
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,032.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4010 N HEMLOCK RD, 4010, HEMLOCK, MI 48626-9683

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3767 LAPORTE RD, HEMLOCK, MI 48626-9514

Mortgage

Document Number	0000017797
Date	Jun 5, 2017
Instrument	2017017797

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

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		$114,300 (+36.07%)	$228,600 (+36.07%)
2025	$2,992.00 (+19.16%) Homeowner's exemption
2023		$84,000	$168,000
2022	$2,511.00

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

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	Low lower than 97% of the US · lower than 93% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500

Cell Coverage

5G and 4G LTE (outdoors only)

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