4780 S Orr Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 4780 S Orr Rd, Hemlock, MI 48626

Property Summary

Property Type	Manufactured or Modular Home
Details	4 bd · 2 ba · 2,886 sqft · built 1994
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$271,625 (Sep 2020)
Tax Bill	$5,091 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-11-2-13-4004-004`

Property Details

APN / Parcel Number

Primary APN	`15-11-2-13-4004-004`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,886 sqft Living Area
1st Floor Area	1,774 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Modular
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	435,600 sqft (10 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	384 sqft
Deck Area	Deck Area
Patio Area	472 sqft
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4780 S ORR RD
City	HEMLOCK
State	MI
Zip	48626-9720
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	N 331.19 FT OF S 662.38 FT OF NE 1/4 OF SE 1/4 10 ACRES SEC 13 T11N R2E ***NEW # CREATED FROM COMB OF 4004-000 & 4004-003
Legal Range	02E
Legal Township	11N
Legal Section	13
Legal Subdivision	E4 CORNER OF S13T11NR2E
Jurisdiction	SAGINAW MI
Township / Civil Division	FREMONT
Census Block Group	2
Census Block	2018
Census Tract	12300

Owner

4780 S Orr Rd, a residential property, is owned and occupied by two individuals who bought it in September 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4780 S ORR RD, HEMLOCK, MI 48626-9720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PLUS CREDIT UNION
Jan 14, 2022	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Sep 24, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 10, 2020	Warranty Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Prior Sale	Feb 8, 2000 · Amount on File
Deed Document Number	202022617
Prior Transfer Date	Aug 31, 2020
Prior Transfer Doc	0000024058
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	Jun 22, 2026
Property Address	4780 S ORR RD, HEMLOCK, MI 48626-9720
Document Number	0000016365
Instrument Date	Jun 15, 2026
Instrument	202616365
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TRANSNATION TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4780 S ORR RD, HEMLOCK, MI 48626-9720

Mortgage

Document Number	0000016365,
Date	Jun 22, 2026
Instrument	202616365

Lender

Name	FINANCIAL PLUS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.71%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	4780 S ORR RD, HEMLOCK, MI 48626-9720
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4780 S ORR RD, HEMLOCK, MI 48626-9720

Mortgage

Document Number	0000001614
Date	Jan 14, 2022
Instrument	2022001614

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 24, 2020
Property Address	4780 S ORR RD, HEMLOCK, MI 48626-9720
Document Number	0000024058
Instrument Date	Aug 31, 2020
Instrument	24058
Transaction Type	Transfer
Record Updated	Oct 21, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4780 S ORR RD HEMLOCK MI 486269720, HEMLOCK, MI 48626-9720

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 10, 2020
Property Address	4780 S ORR RD, HEMLOCK, MI 48626-9720
Document Number	2020022617
Instrument Date	Aug 31, 2020
Instrument	2020022617
Transaction Type	Transfer
Record Updated	Sep 24, 2021
Title Company	HOMELAND TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,040.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4780 S ORR RD, 4780, HEMLOCK, MI 48626-9720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1635 KINGSTON DR, SAGINAW, MI 48638-5442

Mortgage

Document Number	2020022618
Date	Sep 10, 2020
Instrument	2020022618

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4780 S Orr Rd was $5,091 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	Fremont Township
Unified School District	St. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$176,400	$352,800
2025	$5,091.00 Homeowner's exemption
2023		$153,900	$307,800
2022	$4,015.00

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

Flood

FEMA maps place 4780 S Orr 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 4780 S Orr Rd is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500
Starlink Satellite	280 / 30

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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