466 Gratiot St, Hemlock, MI 48626 Property Records

Saginaw County property record for 466 Gratiot St, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,484 sqft · built 1940
Lot Size	0.334 acres (14,549 sqft)
Owner	Individual Name on File
Last Sale	$139,050 (May 2022)
Tax Bill	$3,054 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-1015-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-1015-000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,484 sqft Living Area
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,549 sqft (0.334 acres)
Lot Dimensions	231 ft deep x 63 ft wide
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	228 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	466 GRATIOT ST
City	HEMLOCK
State	MI
Zip	48626-9615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B-1
Legal Description	W. 63 FT. OF E. 1482.7 FT. OF S. 264 FT. OF NE 1/4. .38 ACRE SEC 28 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	28
Legal Subdivision	PC THOMAS ADD
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2007
Census Tract	12100

Owner

466 Gratiot St is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	466 GRATIOT ST, HEMLOCK, MI 48626-9615
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
May 10, 2022	Warranty Deed, Transfer · FHA Mortgage CASON HOME LOANS
Apr 20, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2022 · Amount on File
Deed Sale	May 10, 2022 · Amount on File
Prior Sale	Apr 20, 2021 · Amount on File
Deed Document Number	202214393
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	May 10, 2022
Property Address	466 GRATIOT ST, HEMLOCK, MI 48626-9615
Document Number	0000014393
Map Reference	LB 3 PG 20
Instrument Date	Apr 29, 2022
Instrument	2022014393
Transaction Type	Transfer
Record Updated	May 30, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,046.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6115 JEFFERSON AVE, 6115, MIDLAND, MI 48640-2935

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3790 WIRELINE RD, MAYVILLE, MI 48744-9750

Mortgage

Document Number	0000014394
Date	May 10, 2022
Instrument	2022014394

Lender

Name	CASON HOME LOANS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 20, 2021
Property Address	466 GRATIOT ST, HEMLOCK, MI 48626-9615
Document Number	2021015200
Map Reference	LB 3 PG 20
Instrument Date	Apr 15, 2021
Instrument	2021015200
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$836.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	466 GRATIOT ST, 466, HEMLOCK, MI 48626-9615

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6115 JEFFERSON AVE, MIDLAND, MI 48640-2935

Mortgage

Document Number	2021015201
Date	Apr 20, 2021
Instrument	2021015201

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 466 Gratiot St was $3,054 with a homeowner's exemption.

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		$75,900	$151,800
2025	$3,054.00 Homeowner's exemption
2023		$56,000	$112,000
2022	$2,655.00

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

FEMA maps place 466 Gratiot St 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

The area around 466 Gratiot St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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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