475 Wilson St, Hemlock, MI 48626 Property Records

Saginaw County property record for 475 Wilson St, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,748 sqft · built 1940
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$105,000 (Jan 2021)
Tax Bill	$3,398 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-0628-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-0628-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,748 sqft Living Area
1st Floor Area	1,332 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	273 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Covered Porch
Porch Area	424 sqft
Deck Area	Deck Area
Patio Area	476 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	475 WILSON ST
City	HEMLOCK
State	MI
Zip	48626-9319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 8 BLK 4 P C THOMAS ADDN TO THE VILLAGE OF HEMLOCK SEC 28 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	28
Legal Subdivision	THOMAS ADDN
Legal Block	4
Legal Lot Number	8
Legal Unit	8
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2008
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	475 WILSON ST, HEMLOCK, MI 48626-9319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Deed of Trust, Mortgage · FHA Mortgage MEMBER FIRST MORTGAGE LLC
Jan 25, 2021	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2021 · Amount on Record
Deed Sale	Jan 25, 2021 · Amount on Record
Prior Sale	Nov 16, 2015 · Amount on Record
Deed Document Number	20212581
Prior Transfer Date	Feb 12, 2014
Prior Transfer Doc	0000003716
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	475 WILSON ST, HEMLOCK, MI 48626-9319
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 WILSON ST, HEMLOCK, MI 48626-9319

Mortgage

Document Number	0000028223
Date	Nov 6, 2020
Instrument	2020028223

Lender

Name	MEMBER FIRST MORTGAGE LLC
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49548

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2045

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 25, 2021
Property Address	475 WILSON ST, HEMLOCK, MI 48626-9319
Document Number	2021002581
Map Reference	LB 3 PG 20
Instrument Date	Jan 19, 2021
Instrument	2021002581
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$787.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	475 WILSON ST, 475, HEMLOCK, MI 48626-9319

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6127 EASTMAN AVE APT 5C, 5C, MIDLAND, MI 48640-2567

Mortgage

Document Number	2021002582
Date	Jan 25, 2021
Instrument	2021002582

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

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		$81,500 (+32.95%)	$163,000 (+32.95%)
2025	$3,398.00 (+13.68%) Homeowner's exemption
2023		$61,300	$122,600
2022	$2,989.00

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

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	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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