496 Ault St, Hemlock, MI 48626 Property Records

Saginaw County property record for 496 Ault St, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,937 sqft · built 1999
Lot Size	2.31 acres (100,972 sqft)
Owner	2 Individual Names on Record
Last Sale	$37,500 (Mar 1999)
Tax Bill	$1,786 (2025)
Deeds & Mortgages	May 2026 Mortgage Jan 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-1005-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-1005-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,937 sqft Living Area
1st Floor Area	2,932 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	100,972 sqft (2.31 acres)
Lot Dimensions	306 ft deep x 330 ft wide
Garage Area	876 sqft
Parking Spaces	3 Parking Spaces
Porch	Screened Porch
Porch Area	196 sqft
Patio Area	4,800 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	496 AULT ST
City	HEMLOCK
State	MI
Zip	48626-9320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	BEG AT A PT 30 FT W FROM NW CORN OF LOT 9 BLK 7 P C THOMAS ADDN TH S 264 FT TH E 30 FT TH S 66 FT TH W 330 FT TH N 330 FT TH E 300 FT TO POB 2.32 ACRES SEC 28 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	28
Legal Subdivision	THOMAS ADDN
Legal Block	7
Legal Lot Number	9
Legal Unit	9
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2004
Census Tract	12100

Owner

Source: Saginaw County records, as of July 20, 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	496 AULT ST, HEMLOCK, MI 48626-9320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Balloon Mortgage WILDFIRE CREDIT UNION
Jan 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance JOLT CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 1999 · Amount on Record
Deed Sale	Mar 5, 1999 · Amount on Record
Deed Book / Page	2108 / 2244
Last Transfer Date	Nov 4, 2013
Transfer Doc	0000038272
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	May 12, 2026
Property Address	496 AULT ST, HEMLOCK, MI 48626-9320
Document Number	0000012971
Instrument Date	May 7, 2026
Instrument	202612971
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 AULT ST, HEMLOCK, MI 48626-9320

Mortgage

Document Number	0000012971,
Date	May 12, 2026
Instrument	202612971

Lender

Name	WILDFIRE CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 1, 2031

Interest

Rate Type	Balloon
Rate	6.37%
Initial Type	Balloon
Max Rate	-1%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	496 AULT ST, HEMLOCK, MI 48626-9320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000246
Date	Jan 3, 2020
Instrument	2020000246

Lender

Name	JOLT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Feb 1, 2034

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of September 9, 2025

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		$218,100 (+5.46%)	$436,200 (+5.46%)
2025	$1,786.00 (-71.25%) Homeowner's exemption	$206,800 (+17.97%)	$413,600 (+17.97%)
2023		$175,300	$350,600
2022	$6,213.00

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	Low lower than 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
LakeNet Fiber	1,000 / 500
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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