4425 N Hemlock Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 4425 N Hemlock Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,488 sqft · built 1973
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Individual Names on Record
Last Sale	$282,500 (Jan 2022)
Tax Bill	$5,288 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-04-1006-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-04-1006-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,488 sqft Living Area
1st Floor Area	1,244 sqft
Basement Area	1,244 sqft
Unfinished Basement	1,244 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,579 sqft (1.23 acres)
Garage Area	1,184 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	268 sqft
Deck Area	Deck Area
Patio Area	371 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4425 N HEMLOCK RD
City	HEMLOCK
State	MI
Zip	48626-9687
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	N 231 FT OF S 429 FT OF E 231 FT OF NE FRL 1/4 1.23 ACRES SEC 4 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	04
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	1
Census Block	1007
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	4425 N HEMLOCK RD, HEMLOCK, MI 48626-9687
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIORITY 1 LENDING LLC
Jun 3, 2020	Deed of Trust, Mortgage · Conventional with PMI WANIGAS CU
Oct 2, 2017	Deed of Trust, Mortgage · Conventional with PMI LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2022 · Amount on Record
Deed Sale	Jan 18, 2022 · Amount on Record
Prior Sale	Nov 4, 2013 · Amount on Record
Deed Document Number	20221656
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 18, 2022
Property Address	4425 N HEMLOCK RD, HEMLOCK, MI 48626-9687
Document Number	0000001656
Instrument Date	Jan 14, 2022
Instrument	2022001656
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	FLT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,118.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4425 N HEMLOCK RD, 4425, HEMLOCK, MI 48626-9687

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26045 ROSS DR, REDFORD, MI 48239-2944

Mortgage

Document Number	0000001657
Date	Jan 18, 2022
Instrument	2022001657

Lender

Name	PRIORITY 1 LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4425 N HEMLOCK RD, HEMLOCK, MI 48626-9687
Document Number	0000014788
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	MID-STATE TITLE SERVICES INC, MID-STATE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4425 N HEMLOCK RD HEMLOCK MI 486269687, HEMLOCK, MI 48626-9687

Mortgage

Document Number	0000014788
Date	Jun 8, 2020
Instrument	14788

Lender

Name	WANIGAS CU
Address	SAGINAW, MI 48603

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4425 N HEMLOCK RD, HEMLOCK, MI 48626-9687
Document Number	0000028526
Instrument Date	Oct 2, 2017
Transaction Type	Mortgage
Record Updated	Oct 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4425 N HEMLOCK RD HEMLOCK MI 486269687, HEMLOCK, MI 48626-9687

Mortgage

Document Number	0000028526
Date	Oct 19, 2017
Instrument	28526

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Oct 18, 2032

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		$163,700 (+35.07%)	$327,400 (+35.07%)
2025	$5,288.00 (+56.54%) Homeowner's exemption
2023		$121,200	$242,400
2022	$3,378.00

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 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 19 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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