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4815 N Hemlock Rd, Hemlock, MI, 48626

3beds
2baths
1,956sqft
$525,000
$268price/sqft
$4,089/moest. monthly cost
$163,560/yrincome needed

About This Home

Welcome to your own private slice of heaven on N. Hemlock Rd. This beautifully updated and meticulously maintained farmhouse offers nearly 2,000 sq. ft. of living space on 10 serene acres—a rare and versatile property. Inside, you’ll find an updated kitchen featuring handcrafted cabinetry, a formal dining area with stunning views, and a spacious great room anchored by a cozy pellet-burning fireplace. The south-facing solarium is perfect for plant lovers, while the main-floor bedroom adds convenience and flexibility. Custom touches like a built-in bar and hardwood floors enhance the home’s warmth and character. Upstairs, a charming landing leads to two additional bedrooms, a walk-in closet, and a full bath. Step outside to enjoy the peaceful setting from the recently refinished deck. The property truly shines with its exceptional outbuildings, including a 3.5-car garage ideal for a workshop, a large barn previously used for horses, a smokehouse, and a finished studio/office space—perfect for remote work, hobbies, or entertaining. With endless possibilities and one-of-a-kind features, this property is not to be missed.

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 9-124.1 mi

Construction

Condition

  • Year built: 1895

Materials

  • Foundation: Basement
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range/Oven,Refrigerator,Water Softener Owned,Tankless Water Heater
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: MI Basement

Bathroom1

  • Level: First
  • Area: 54

Bathroom2

  • Level: Second
  • Area: 63

Bedroom1

  • Features: Wood
  • Level: First
  • Area: 208

Bedroom2

  • Level: Second
  • Area: 165

Bedroom3

  • Level: Second
  • Area: 165

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Wood
  • Level: First
  • Area: 198

Features

  • Sump Pump,Walk-In Closet(s),Bar,Eat-in Kitchen
  • Window features: Window Treatments,Skylight(s)
  • Flooring: Ceramic Tile,Hardwood,Wood
  • Number of fireplaces: 1
  • Fireplace features: Dining Room,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,956

Great Room

  • Level: First
  • Area: 575

Heating & Cooling

  • Heating features: Hot Water,Other,Radiant,Propane
  • Cooling features: Ceiling Fan(s),Wall/Window Unit(s)

Interior Area

  • Total structure area: 2,736
  • Total interior livable area: 1,956 sqft

Kitchen

  • Level: First
  • Area: 324

Property

Details

  • Parcel number: 22122041002007
  • Zoning description: Agricultural,Residential
  • Special condition: Private

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Porch
  • Has spa: Yes
  • Spa features: Spa/Jetted Tub
  • Frontage type: Road
  • Frontage length: 0

Lot

  • Lot size: 10.03 Acres
  • Features: Rural,Farm

Parking

  • Total spaces: 3.5
  • Parking features: Garage,Detached,Electric in Garage,Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 3.5
  • Covered spaces: 3.5

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 $2,654$31,848
Home Insurance *$299$3,588
Property Taxes $923$11,076
Electricity $213$2,560
Total$4,089$49,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,194/yr
40% on housing$122,670/yr
45% on housing$109,040/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

$268This listing

vs Other Active Listings

Avg $/sqft

ZIP 48626$136
Saginaw County$84

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
2026-05-05Listed for sale$525,000

For Sale by Agent

AgentBridgette Stallings
BrokerageCentury 21 Signature Realty

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