90 Estelle Ct, Hemlock, MI 48626 Property Records

Saginaw County property record for 90 Estelle Ct, Hemlock, MI 48626

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,723 sqft · built 1950
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Nov 2023)
Tax Bill	$3,364 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-12-2-28-4102-000`

Property Details

APN / Parcel Number

Primary APN	`22-12-2-28-4102-000`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,723 sqft Living Area
1st Floor Area	1,277 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	108 ft deep x 105 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Patio Area	600 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	90 ESTELLE CT
City	HEMLOCK
State	MI
Zip	48626-9300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 2 & S 25 FT OF LOT 1 MARTIN SUB-DIVISION BEING A PART OF W 1/2 OF W 1/2 OF NW 1/4 OF SE 1/4 SEC 28 T12N R2E
Legal Range	02E
Legal Township	12N
Legal Section	28
Legal Subdivision	MARTIN SUB
Legal Lot Number	1-2
Jurisdiction	SAGINAW MI
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2025
Census Tract	12100

Owner

90 Estelle Ct is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	90 ESTELLE CT, HEMLOCK, MI 48626-9300
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
May 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage DOCO CREDIT UNION
Nov 3, 2023	Warranty Deed, Transfer · Conventional Mortgage DOW CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2023 · Amount on File
Deed Sale	Nov 3, 2023 · Amount on File
Prior Sale	Sep 23, 2014 · Amount on File
Deed Document Number	202324188
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Recording Date	May 26, 2026
Property Address	90 ESTELLE CT, HEMLOCK, MI 48626-9300
Document Number	0000013992
Instrument Date	May 19, 2026
Instrument	202613992
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 ESTELLE CT, HEMLOCK, MI 48626-9300

Mortgage

Document Number	0000013992,
Date	May 26, 2026
Instrument	202613992

Lender

Name	DOCO CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Nov 3, 2023
Property Address	90 ESTELLE CT, HEMLOCK, MI 48626-9300
Document Number	0000024188
Map Reference	LB 7 PG 5
Instrument Date	Nov 1, 2023
Instrument	2023024188
Transaction Type	Transfer
Record Updated	Nov 20, 2023
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	90 ESTELLE CT, HEMLOCK, MI 48626-9300

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14775 GEDDES RD, HEMLOCK, MI 48626-8492

Mortgage

Document Number	0000024189
Date	Nov 3, 2023
Instrument	2023024189

Lender

Name	DOW CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 90 Estelle Ct was $3,364 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		$93,000 (+8.39%)	$186,000 (+8.39%)
2025	$3,364.00 Homeowner's exemption	$85,800	$171,600
2023		$72,700 (+8.18%)	$145,400 (+8.18%)
2022	$1,796.00 (+7.87%) Homeowner's exemption	$67,200	$134,400
2021	$1,665.00

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 90 Estelle Ct 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 90 Estelle Ct 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 96% of the US · lower than 91% 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 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
LakeNet Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20

May also be available: Air Advantage, T-Mobile.

Nearby Properties on Estelle Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures