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4090 N Fordney Rd, Hemlock, MI, 48626

6beds
5baths
4,957sqft
$615,000
$124price/sqft
$4,685/moest. monthly cost
$187,400/yrincome needed

About This Home

Hemlock Country Estate on 8 Acres – Pole Barn-Apartment/IN-LAW SUITE + Walkout Basement Welcome to this spacious and private property offering the perfect blend of comfort, functionality, and country living. Situated on approximately 8 acres with a pond and wooded backdrop, this well-maintained home provides space both inside and out. Home Features • 3 fireplaces • Walkout lower level with flexible living space • Andersen windows • Updated mechanicals (furnace, A/C, hot water heater – 2022) • Whole house generator (2013) • Smart home features: thermostat, lights, cameras • Water leak alarm system • 3-car garage plus additional attic storage(main house Additional Property Highlights • Additional home featuring IN-LAW SUITE/Guest Quarters (~1,150 sq ft), 2 bedrooms, kitchen, living room, full bath and large garage built to suit large RV or additional cars • Paved road access, Pond and wooded views • Private setting ideal for entertaining, hobbies, or multi-generational living • Billiard table and piano included with sale BATVAI

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
7/10
Hemlock Middle SchoolGrades 5-84.1 mi
8/10
Hemlock High SchoolGrades 9-124.0 mi

Construction

Condition

  • Year built: 2001

Materials

  • Foundation: Basement,Drainage System,Poured,Sump Pump
  • Roof: Asphalt,Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built In Gas Oven,Convection Oven,Dishwasher,Disposal,Dryer,Exhaust Fan,Free Standing Electric Oven,Free Standing Gas Oven,Free Standing Refrigerator,Humidifier,Other,Range Hood,Self Cleaning Oven,Stainless Steel Appliances,Washer Dryer Stacked,Washer,Water Softener Owned
  • Laundry features: Gas Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished,Full,Walk Out Access

Bedroom

  • Level: Second
  • Area: 143
  • Dimensions: 13 X 11

Bedroom

  • Level: Second
  • Area: 169
  • Dimensions: 13 X 13

Bedroom

  • Level: Second
  • Area: 121
  • Dimensions: 11 X 11

Bedroom

  • Level: Entry
  • Area: 130
  • Dimensions: 13 X 10

Bedroom

  • Level: Entry
  • Area: 84
  • Dimensions: 12 X 7

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Dining Room

  • Level: Entry
  • Area: 130
  • Dimensions: 10 X 13

Family Room

  • Level: Basement
  • Area: 418
  • Dimensions: 22 X 19

Family Room

  • Level: Entry
  • Area: 169
  • Dimensions: 13 X 13

Features

  • Entrance Foyer,High Speed Internet,Jetted Tub,Programmable Thermostat
  • Fireplace features: Basement,Gas,Living Room,Master Bedroom,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,286
  • Finished area above ground: 3,671

Game Room

  • Level: Basement
  • Area: 180
  • Dimensions: 18 X 10

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Radiant
  • Cooling features: Ceiling Fans,Central Air

Interior Area

  • Total interior livable area: 4,957 sqft

Kitchen

  • Level: Entry
  • Area: 156
  • Dimensions: 12 X 13

Laundry

  • Level: Entry
  • Area: 50
  • Dimensions: 10 X 5

Library

  • Level: Entry
  • Area: 143
  • Dimensions: 13 X 11

Living Room

  • Level: Entry
  • Area: 323
  • Dimensions: 19 X 17

Other

  • Level: Second
  • Area: 55
  • Dimensions: 11 X 5

Other

  • Level: Basement
  • Area: 63
  • Dimensions: 9 X 7

Other

  • Level: Entry
  • Area: 66
  • Dimensions: 11 X 6

Other

  • Level: Entry
  • Area: 18
  • Dimensions: 6 X 3

Primary Bathroom

  • Level: Second
  • Area: 195
  • Dimensions: 13 X 15

Primary Bedroom

  • Level: Second
  • Area: 323
  • Dimensions: 19 X 17

Property

Accessibility

  • Accessibility features: Accessible Bedroom,Accessible Central Living Area,Accessible Closets,Accessible Common Area,Accessible Doors,Accessible Entrance,Accessible Full Bath,Accessible Hallways,Accessible Kitchen,Central Living Area,Grip Accessible Features,Standby Generator

Details

  • Parcel number: 22122013005001
  • Special condition: Short Sale No,Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: GroundLevelwSteps
  • Pool features: None
  • Exterior features: Chimney Caps,Gutter Guard System,Lighting
  • Fencing: Invisible
  • Waterfront features: Pond

Lot

  • Lot size: 7.98 Acres
  • Lot size dimensions: 100 x 1318 x 364 x 1318

Parking

  • Total spaces: 5
  • Parking features: Five Car Garage,Attached,Direct Access,Electricityin Garage,Garage Faces Front,Heated Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 5

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Hail
Inland Flooding
Tornado

FEMA Declared Disasters in Saginaw County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,109$37,308
Home Insurance *$350$4,200
Property Taxes $686$8,232
Electricity $540$6,488
Total$4,685$56,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,628/yr
40% on housing$140,550/yr
45% on housing$124,933/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.8%
12.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$124This listing

vs Other Active Listings

Avg $/sqft

ZIP 48626$165
Saginaw County$85

vs Homes Sold Last Month

Median $/sqft

ZIP 48626$161
Saginaw County$108

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-07Price change$670,000
2026-04-28Price change$699,900
2026-04-13Listed for sale$750,000
1999-01-11Sold$36,540

For Sale by Agent

AgentDawn M Hendrix
BrokerageColdwell Banker Professionals

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