428 Sproll St, Hemlock, MI 48626 Property Records

Saginaw County property record for 428 Sproll St, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,949 sqft · built 1989
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$291,000 (May 2024)
Tax Bill	$6,965 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-4015-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-4015-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,949 sqft Living Area
1st Floor Area	1,464 sqft
Basement Area	1,464 sqft
Unfinished Basement	1,464 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	330 ft deep x 132 ft wide
Garage Area	1,414 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	32 sqft
Deck Area	Deck Area
Patio Area	112 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	428 SPROLL ST
City	HEMLOCK
State	MI
Zip	48626-9356
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	N.132 FT.OF S.792 FT.OF E.330 FT.OF SW1/4 OF SE1/4. -- 1 ACRE. SEC 28 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	28
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2029
Census Tract	12100

Owner

Source: Saginaw County records, as of August 21, 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	2065 S MERIDIAN RD, MIDLAND, MI 48640-9517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Mar 3, 2023	Deed of Trust, Mortgage · Line of Credit ISABELLA BANK
Aug 10, 2018	Warranty Deed, Transfer · Stand-Alone Refinance ISABELLA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2024 · Amount on Record
Deed Sale	May 1, 2024 · Amount on Record
Prior Sale	Aug 10, 2018 · Amount on Record
Deed Document Number	202411459
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	428 SPROLL ST, HEMLOCK, MI 48626-9356
Transaction Type	Mortgage
Record Updated	Feb 25, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 SPROLL ST, HEMLOCK, MI 48626-9356

Mortgage

Document Number	0000003046
Date	Feb 13, 2026
Instrument	2026003046

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	14511 MYFORD RD STE 100, TUSTIN, CA 92780

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10%
Index	Other
Margin	3
Max Rate	10%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	428 SPROLL ST, HEMLOCK, MI 48626-9356
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 SPROLL ST, HEMLOCK, MI 48626-9356

Mortgage

Document Number	0000003911
Date	Mar 3, 2023
Instrument	2023003911

Lender

Name	ISABELLA BANK
Type	Bank
Address	MOUNT PLEASANT, MI 48858

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Feb 14, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 10, 2018
Property Address	428 SPROLL ST, HEMLOCK, MI 48626-9356
Document Number	0000021420
Instrument Date	Aug 9, 2018
Instrument	2018021420
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
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	1409 W KENT RD, WHEELER, MI 48662-9608

Mortgage

Document Number	0000021421
Date	Aug 10, 2018
Instrument	2018021421

Lender

Name	ISABELLA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Sep 1, 2046

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		$166,600 (+27.08%)	$333,200 (+27.08%)
2025	$6,965.00 (+46.72%) Homeowner's exemption
2023		$131,100	$262,200
2022	$4,747.00

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	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

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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