4280 N Hemlock Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 4280 N Hemlock Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,144 sqft · built 1973
Lot Size	12 acres (525,769 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Oct 2019)
Tax Bill	$6,275 (2025)
Deeds & Mortgages	Jan 2026 Transfer Oct 2017 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-03-3002-003`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-03-3002-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,144 sqft Living Area
1st Floor Area	1,571 sqft
Basement Area	1,417 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	525,769 sqft (12 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4280 N HEMLOCK RD
City	HEMLOCK
State	MI
Zip	48626-9685
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	BEG AT W 1/4 CORN OF SEC TH E 1315.83 FT TH S 400.45 FT TH W 1315.61 FT TH N 400.44 FT TO POB - 12.07 ACRES SEC 3 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

4280 N Hemlock Rd is owned and occupied by an individual who acquired it in January 2026.

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

Owner of Record	Individual Name on File
Mailing Address	4280 N HEMLOCK RD, HEMLOCK, MI 48626-9685
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
Jan 6, 2026	Intrafamily Transfer, Transfer
Oct 31, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance WANIGAS CREDIT UNION
Oct 25, 2019	Warranty Deed, Transfer · Stand-Alone Refinance STATE BANK
May 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage WANIGAS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2019 · Amount on File
Deed Sale	Oct 25, 2019 · Amount on File
Prior Sale	Sep 30, 2010 · Amount on File
Deed Document Number	201926506
Last Transfer Date	Jan 6, 2026
Transfer Doc	0000000296
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Jan 6, 2026
Property Address	4280 N HEMLOCK RD, HEMLOCK, MI 48626-9685
Document Number	0000000296
Instrument Date	Jan 6, 2026
Instrument	2026000296
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	394 TURNER LNC, HEMLOCK, MI 48626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4280 N HEMLOCK RD, HEMLOCK, MI 48626-9685

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4280 N HEMLOCK RD, HEMLOCK, MI 48626-9685
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029490
Date	Oct 31, 2017
Instrument	2017029490

Lender

Name	WANIGAS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	325 Months
Due	Nov 1, 2044

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 25, 2019
Property Address	4280 N HEMLOCK RD, HEMLOCK, MI 48626-9685
Document Number	0000026506
Instrument Date	Oct 16, 2019
Instrument	2019026506
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	3785 MORGAN RD, LAKE ORION, MI 48359-2052

Mortgage

Document Number	0000026507
Date	Oct 25, 2019
Instrument	2019026507

Lender

Name	STATE BANK

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4280 N HEMLOCK RD, HEMLOCK, MI 48626-9685
Document Number	0000015312
Instrument Date	May 28, 2019
Transaction Type	Mortgage
Record Updated	Jun 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4280 N HEMLOCK RD HEMLOCK MI 486269685, HEMLOCK, MI 48626-9685

Mortgage

Document Number	0000015312
Date	Jun 7, 2019
Instrument	15312

Lender

Name	WANIGAS CU
Address	SAGINAW, MI 48603

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 6, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 4280 N Hemlock Rd was $6,275 with a homeowner's exemption, up 3.3% from the year before.

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		$201,700 (+15.06%)	$403,400 (+15.06%)
2025	$6,275.00 (+3.33%) Homeowner's exemption	$175,300	$350,600
2024	$6,073.00
2023		$154,600	$309,200
2022	$5,255.00

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

Flood

FEMA maps place 4280 N Hemlock 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 4280 N Hemlock 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 93% of the US · lower than 83% 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 16 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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