550 N Hemlock Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 550 N Hemlock Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,215 sqft · built 1998
Lot Size	2.65 acres (115,434 sqft)
Owner	Trust Name on File
Last Sale	$325,000 (Nov 2017)
Tax Bill	$7,750 (2025)
Deeds & Mortgages	Sep 2021 Transfer Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-27-2137-700`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-27-2137-700`
Alternative APN	`22122272137A00`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,215 sqft Living Area
1st Floor Area	2,572 sqft
Basement Area	2,572 sqft
Unfinished Basement	2,572 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	115,434 sqft (2.65 acres)
Garage Area	924 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	624 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	550 N HEMLOCK RD
City	HEMLOCK
State	MI
Zip	48626-9622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	S 264 FT OF W 742.5 FT OF S 30 ACRES OF NW 1/4 OF NW 1/4 EXC S 132 FT OF W 387.77 FT THEREOF ALSO EXC N 75 FT OF S 264 FT OF
Legal Range	02E
Legal Township	12N
Legal Section	27
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2000
Census Tract	12100

Owner

550 N Hemlock Rd is owner-occupied and held in a trust since September 2021.

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

Owner of Record	Trust Name on File
Mailing Address	550 N HEMLOCK RD, HEMLOCK, MI 48626-9622
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Intrafamily Transfer, Transfer
Nov 6, 2017	Warranty Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2017 · Amount on File
Deed Sale	Nov 6, 2017 · Amount on File
Prior Sale	Sep 18, 1997 · Amount on File
Deed Document Number	201729870
Last Transfer Date	Sep 2, 2021
Transfer Doc	2021029261
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAGINAW MI
Recording Date	Sep 7, 2021
Property Address	550 N HEMLOCK RD, HEMLOCK, MI 48626-9622
Document Number	2021029261
Instrument Date	Sep 2, 2021
Instrument	2021029261
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	550 N HEMLOCK RD, HEMLOCK, MI 48626-9622

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 6, 2017
Property Address	550 N HEMLOCK RD, HEMLOCK, MI 48626-9622
Document Number	0000029870
Instrument Date	Oct 31, 2017
Instrument	29870
Transaction Type	Transfer
Record Updated	Nov 15, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	550 N HEMLOCK RD HEMLOCK MI 486269622, HEMLOCK, MI 48626-9622

Mortgage

Document Number	29871
Date	Nov 6, 2017
Instrument	29871

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 550 N Hemlock Rd was $7,750 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	Richland Township
Unified School District	Hemlock Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$285,200 (+13.58%)	$570,400 (+13.58%)
2025	$7,750.00 Homeowner's exemption	$251,100	$502,200
2023		$211,500	$423,000
2022	$6,568.00

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

Flood

FEMA maps place 550 N Hemlock 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 550 N Hemlock Rd is low, with less than 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 98% of the US · lower than 95% 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.

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 187 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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