Saginaw County property record for 540 S Hemlock Rd, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,508 sqft · built 1973 |
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $191,000 (May 2026) |
| Tax Bill | $2,857 (2025) |
| Deeds & Mortgages | May 2026 Sale May 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-28-0305-000 |
| Primary APN | 22-12-2-28-0305-000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,508 sqft Living Area |
| 1st Floor Area | 1,508 sqft |
| Basement Area | 1,188 sqft |
| Unfinished Basement | 1,188 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 45,738 sqft (1.05 acres) |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 25 sqft |
| Patio Area | 800 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 540 S HEMLOCK RD |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-9413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | E. 330 FT. OF OUTLOT EXC. S. 462 FT. HEMLOCK CITY SEC 28 T12N R2E |
| Legal Range | 02E |
| Legal Township | 12N |
| Legal Section | 28 |
| Legal Subdivision | HEMLOCK CITY SUB |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | RICHLAND |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 12100 |
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 | 525 N PINE RIVER ST, ITHACA, MI 48847-1143 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 28, 2026 | Warranty Deed, Transfer METRO S TITLE, METRO TITLE |
| May 13, 2026 | Deed of Trust, Mortgage · VA Mortgage USAA FSB |
| Jan 13, 2026 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on Record |
| Deed Sale | May 28, 2026 · Amount on Record |
| Deed Document Number | 202614218 |
| Prior Transfer Date | May 22, 2014 |
| Prior Transfer Doc | 0000000798 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 28, 2026 |
| Property Address | 540 S HEMLOCK RD, HEMLOCK, MI 48626-9413 |
| Document Number | 0000014218 |
| Instrument Date | May 11, 2026 |
| Instrument | 202614218 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | METRO S TITLE, METRO TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $144,682.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 525 N PINE RIVER ST, ITHACA, MI 48847-1143 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | May 13, 2026 |
| Property Address | 540 S HEMLOCK RD, HEMLOCK, MI 48626-9413 |
| Document Number | 0000013038 |
| Instrument Date | May 11, 2026 |
| Instrument | 202613038 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 525 N PINE RIVER ST, ITHACA, MI 48847-1143 |
| Document Number | 0000013038, |
|---|---|
| Date | May 13, 2026 |
| Instrument | 202613038 |
| Name | USAA FSB |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Jan 13, 2026 |
| Property Address | 540 S HEMLOCK RD, HEMLOCK, MI 48626-9413 |
| Document Number | 0000000798 |
| Instrument Date | May 22, 2014 |
| Instrument | 2026000798 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 540 S HEMLOCK RD, HEMLOCK, MI 48626-9413 |
| Name | Verified Name |
|---|---|
| Address | 540 S HEMLOCK RD, HEMLOCK, MI 48626-9413 |
Source: Saginaw County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Saginaw County |
| County Subdivision | Richland Township |
| Unified School District | Hemlock Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $71,500 (+8.5%) | $143,000 (+8.5%) | |
| 2025 | $2,857.00 (+2.07%) Homeowner's exemption | $65,900 (+16.84%) | $131,800 (+16.84%) |
| 2024 | $2,799.00 (+9.55%) | ||
| 2023 | $56,400 | $112,800 | |
| 2022 | $2,555.00 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 112 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 |
| Verizon Fixed Wireless | 300 / 20 |
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