Saginaw County property record for 645 S Fordney Rd, Hemlock, MI 48626
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,929 sqft · built 1975 |
| Lot Size | 14.9 acres (652,964 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,770 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-12-2-25-3005-004 |
| Primary APN | 22-12-2-25-3005-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,929 sqft Living Area |
| 1st Floor Area | 1,929 sqft |
| Basement Area | 1,929 sqft |
| Unfinished Basement | 1,929 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 652,964 sqft (14.9 acres) |
| Garage Area | 2,880 sqft |
| Parking Spaces | 10 Parking Spaces |
| Porch | Porch |
| Porch Area | 1,527 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 645 S FORDNEY RD |
|---|---|
| City | HEMLOCK |
| State | MI |
| Zip | 48626-9499 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-2 |
| Legal Description | N 328.62 FT OF W 660 FT OF SW 1/4 OF SW 1/4 AND ALSO S 660.66 FT OF W 660.34 FT OF NW 1/4 OF SW 1/4 - 14.99 ACRES SEC 25 T12N |
| Legal Range | 02E |
| Legal Township | 12N |
| Legal Section | 25 |
| Jurisdiction | SAGINAW MI |
| Township / Civil Division | RICHLAND |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 12100 |
645 S Fordney Rd is owned and occupied by two individuals.
Source: Saginaw County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 645 S FORDNEY RD, HEMLOCK, MI 48626-9499 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 645 S Fordney Rd was $4,770 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 | $200,800 | $401,600 | |
| 2025 | $4,770.00 Homeowner's exemption | ||
| 2023 | $157,200 | $314,400 | |
| 2022 | $3,972.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 S Fordney 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 645 S Fordney 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 94% of the US · lower than 87% 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.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
5G (outdoors only) and 4G LTE
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