Saginaw County property record for 550 S Hemlock Rd, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,390 sqft · built 1987 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Sep 2024) |
| Tax Bill | $3,556 (2025) |
| Deeds & Mortgages | Nov 2023 Transfer Oct 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-28-0309-000 |
| Primary APN | 22-12-2-28-0309-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,390 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 330 ft deep x 66 ft wide |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Porch |
|---|---|
| Porch Area | 77 sqft |
| Deck Area | Deck Area |
| Patio Area | 360 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 550 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 | N 66 FT OF S 462 FT OF E 330 FT OF OUTLOT 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 |
550 S Hemlock Rd is owned and occupied by an individual who bought it in September 2024.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 550 S HEMLOCK RD, HEMLOCK, MI 48626-9413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 21, 2023 | Correction Deed |
| Oct 30, 2023 | Warranty Deed, Transfer · Conventional Mortgage DOW CU |
| Mar 30, 2021 | Deed of Trust, Mortgage · Line of Credit MICHIGAN HOMEOWNER ASSISTANCE NONPROFIT |
| Dec 12, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2024 · Amount on File |
| Deed Sale | Sep 11, 2024 · Amount on File |
| Prior Sale | Oct 30, 2023 · Amount on File |
| Deed Document Number | 202420687 |
| Prior Transfer Date | Dec 5, 2022 |
| Prior Transfer Doc | 0000031245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Nov 21, 2023 |
| Property Address | 550 S HEMLOCK RD, HEMLOCK, MI 48626-9413 |
| Document Number | 0000025218 |
| Map Reference | LB 1 PG 1 |
| Instrument Date | Nov 16, 2023 |
| Instrument | 2023025218 |
| Record Updated | Dec 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 4343 STATE ST, SAGINAW, MI 48603-4029 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Oct 30, 2023 |
| Property Address | 550 S HEMLOCK RD, HEMLOCK, MI 48626-9413 |
| Document Number | 0000023738 |
| Map Reference | LB 1 PG 1 |
| Instrument Date | Oct 27, 2023 |
| Instrument | 2023023738 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2023 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $937.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 550 S HEMLOCK RD, HEMLOCK, MI 48626-9413 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2080 S POSEYVILLE RD, MIDLAND, MI 48640-8567 |
| Document Number | 0000023739 |
|---|---|
| Date | Oct 30, 2023 |
| Instrument | 2023023739 |
| Name | DOW CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAGINAW MI |
| Property Address | 550 S HEMLOCK RD, HEMLOCK, MI 48626-9413 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 550 S HEMLOCK RD, HEMLOCK, MI 48626-9413 |
| Document Number | 0000009051 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 2021009051 |
| Name | MICHIGAN HOMEOWNER ASSISTANCE NONPROFIT |
|---|---|
| Type | Non-Lending Institution |
| Address | LANSING, MI 48912 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAGINAW MI |
| Recording Date | Dec 12, 2022 |
| Property Address | 550 S HEMLOCK RD, HEMLOCK, MI 48626-9413 |
| Document Number | 0000031245 |
| Instrument Date | Nov 11, 2022 |
| Instrument | 2022031245 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8755 VAN BUREN RD, ELWELL, MI 48832-9725 |
| Name | Verified Name |
|---|---|
| Address | 550 S HEMLOCK RD, HEMLOCK, MI 48626-9413 |
The 2025 property tax bill for 550 S Hemlock Rd was $3,556 with a homeowner's exemption.
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 | $74,700 | $149,400 | |
| 2025 | $3,556.00 Homeowner's exemption | ||
| 2023 | $64,200 (+18.89%) | $128,400 (+18.89%) | |
| 2022 | $2,622.00 (+5.6%) Homeowner's exemption | $54,000 | $108,000 |
| 2021 | $2,483.00 |
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.
FEMA maps place 550 S 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 risk around 550 S 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 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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