492 Thomas St, Hemlock, MI 48626 Property Records

Saginaw County property record for 492 Thomas St, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,372 sqft · built 1940
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$114,900 (Dec 2021)
Tax Bill	$4,032 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-0625-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-0625-000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,372 sqft Living Area
1st Floor Area	1,372 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Wood Siding
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	280 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	258 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	492 THOMAS ST
City	HEMLOCK
State	MI
Zip	48626-9338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 5. BLK. 4. P.C. THOMAS ADD. TO THE VILLAGE OF HEMLOCK. SEC 28 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	28
Legal Subdivision	P.C. THOMAS ADD
Legal Block	4
Legal Lot Number	5
Legal Unit	5
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	7803 MIELKE RD, FREELAND, MI 48623-8424
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 27, 2019	Warranty Deed, Transfer PRIME LNDG
Apr 27, 2021	Warranty Deed, Transfer TITLE RESOURCE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2021 · Amount on Record
Deed Sale	Dec 9, 2021 · Amount on Record
Prior Sale	Apr 27, 2021 · Amount on Record
Deed Document Number	202138755
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Dec 9, 2021
Property Address	492 THOMAS ST, HEMLOCK, MI 48626-9338
Document Number	0000038755
Map Reference	LB 3 PG 20
Instrument Date	Nov 23, 2021
Instrument	2021038755
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	MULTIPLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$862.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	492 THOMAS ST, 492, HEMLOCK, MI 48626-9338

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7803 MIELKE RD, FREELAND, MI 48623-8424

Mortgage

Document Number	0000038446
Date	Dec 7, 2021
Instrument	2021038446

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	492 THOMAS ST, HEMLOCK, MI 48626-9338
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 THOMAS ST, HEMLOCK, MI 48626-9338

Mortgage

Document Number	0000000042
Date	Jan 4, 2021
Instrument	2021000042

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Aug 27, 2019
Property Address	492 THOMAS ST, HEMLOCK, MI 48626-9338
Document Number	0000021465
Instrument Date	Aug 16, 2019
Instrument	21465
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	NATIONAL TITLE CLEARING

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$89.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 GERALD CT #B MIDLAND MI 486426375, B, MIDLAND, MI 48642-6375

Mortgage

Document Number	21466
Date	Aug 27, 2019
Instrument	21466

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2049

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 27, 2021
Property Address	492 THOMAS ST, HEMLOCK, MI 48626-9338
Document Number	2021015842
Map Reference	LB 3 PG 20
Instrument Date	Aug 16, 2019
Instrument	2021015842
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount Recorded
Tax	$675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	492 THOMAS ST, 492, HEMLOCK, MI 48626-9338

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 GERALD CT # B, B, MIDLAND, MI 48642-6375

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		$70,700 (+34.92%)	$141,400 (+34.92%)
2025	$4,032.00 (+51.58%)
2023		$52,400	$104,800
2022	$2,660.00

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	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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