725 S Fordney Rd, Hemlock, MI 48626 Property Records

Saginaw County property record for 725 S Fordney Rd, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	1 ba · 832 sqft · built 1979
Lot Size	1.92 acres (83,635 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Apr 2022)
Tax Bill	$1,882 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-25-3021-002`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-25-3021-002`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	832 sqft Living Area
1st Floor Area	832 sqft
Basement Area	832 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	83,635 sqft (1.92 acres)
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	725 S FORDNEY RD
City	HEMLOCK
State	MI
Zip	48626-8400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT SW CORN OF SEC 25 TH N 00 DEG 00'00" E 657.57 FT ALG W LINE OF SD SEC TO POB TH CONT N 00 DEG 00'00" E 103.79 FT ALG
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

Owner

725 S Fordney Rd is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	725 S FORDNEY RD, HEMLOCK, MI 48626-8400
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Deed of Trust, Mortgage · Line of Credit JOLT CREDIT UNION
Apr 28, 2022	Warranty Deed, Transfer · Conventional Mortgage JOLT CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2022 · Amount on File
Deed Sale	Apr 28, 2022 · Amount on File
Deed Document Number	202213234
Prior Transfer Date	Apr 27, 2022
Prior Transfer Doc	0000013234
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	725 S FORDNEY RD, HEMLOCK, MI 48626-8400
Transaction Type	Mortgage
Record Updated	Jan 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 S FORDNEY RD, HEMLOCK, MI 48626-8400

Mortgage

Document Number	0000031840
Date	Dec 20, 2022
Instrument	2022031840

Lender

Name	JOLT CREDIT UNION
Type	Credit Union
Address	SAGINAW, MI 48603

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Nov 26, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 28, 2022
Property Address	725 S FORDNEY RD, HEMLOCK, MI 48626-8400
Document Number	0000013234
Instrument Date	Apr 27, 2022
Instrument	2022013234
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	725 S FORDNEY RD, 725, HEMLOCK, MI 48626-8400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1651 W CHIPPEWA RIVER RD, MIDLAND, MI 48640-9128

Mortgage

Document Number	0000013236
Date	Apr 28, 2022
Instrument	2022013236

Lender

Name	JOLT CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 725 S Fordney Rd was $1,882 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		$72,900	$145,800
2025	$1,882.00 Homeowner's exemption
2023		$58,600	$117,200
2022	$1,585.00

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.

Flood

FEMA maps place 725 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

Wildfire risk around 725 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Fordney Rd

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