4625 N Hemlock Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 4625 N Hemlock Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,596 sqft · built 1987
Lot Size	10 acres (436,036 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Oct 2025)
Tax Bill	$4,613 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-04-1002-006`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-04-1002-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,596 sqft Living Area
1st Floor Area	1,596 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	436,036 sqft (10 acres)
Garage Area	1,280 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	346 sqft
Deck Area	360 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4625 N HEMLOCK RD
City	HEMLOCK
State	MI
Zip	48626-9659
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	S 335.29 FT OF N 2336.15 OF E 1/2 OF NE FRL 1/4 10.01 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	12310 WILKINSON RD, FREELAND, MI 48623-9289
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Warranty Deed, Transfer · FHA Mortgage THE LOAN STORE INC
Apr 7, 2022	Warranty Deed, Transfer · FHA Mortgage CASON HOME LOANS
Jan 22, 2021	Warranty Deed, Transfer · Conventional Mortgage WANIGAS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2025 · Amount on Record
Deed Sale	Oct 10, 2025 · Amount on Record
Prior Sale	Apr 7, 2022 · Amount on Record
Deed Document Number	202524259
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Oct 10, 2025
Property Address	4625 N HEMLOCK RD, HEMLOCK, MI 48626-9659
Document Number	0000024259
Instrument Date	Oct 2, 2025
Instrument	2025024259
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	CROSSROADS TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,587.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4625 N HEMLOCK RD, HEMLOCK, MI 48626-9659

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12310 WILKINSON RD, FREELAND, MI 48623-9289

Mortgage

Document Number	0000024260
Date	Oct 10, 2025
Instrument	2025024260

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 7, 2022
Property Address	4625 N HEMLOCK RD, HEMLOCK, MI 48626-9659
Document Number	0000008876
Instrument Date	Feb 15, 2022
Instrument	2022008876
Transaction Type	Transfer
Record Updated	Apr 20, 2022
Title Company	MOELAND TITLE SERVICES LLC, HOMELAND TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,560.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13080 SWAN CREEK RD, 13080, HEMLOCK, MI 48626-9715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3849 S 9 MILE RD, WHEELER, MI 48662-9607

Mortgage

Document Number	0000008875
Date	Apr 7, 2022
Instrument	2022008875

Lender

Name	CASON HOME LOANS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 22, 2021
Property Address	4625 N HEMLOCK RD, HEMLOCK, MI 48626-9659
Document Number	2021002490
Instrument Date	Jan 12, 2021
Instrument	2021002490
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,267.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4625 N HEMLOCK RD, 4625, HEMLOCK, MI 48626-9659

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13080 SWAN CREEK RD, HEMLOCK, MI 48626-9715

Mortgage

Document Number	0000002491
Date	Jan 22, 2021
Instrument	2021002491

Lender

Name	WANIGAS CU
Type	Credit Union
Address	SAGINAW, MI 48603

Agreement

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

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		$143,400 (+13.63%)	$286,800 (+13.63%)
2025	$4,613.00 (+3.41%) Homeowner's exemption	$126,200 (+19.96%)	$252,400 (+19.96%)
2024	$4,461.00 (+23.16%)
2023		$105,200	$210,400
2022	$3,622.00

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.

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 and 4G LTE (outdoors only)

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