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Single Family ResidenceResidential
$237,575$157 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $9,000 on Oct 19, 2020

12975 SPENCER RD

HEMLOCK, MI 48626
3
Beds
2
Baths
1,512 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.75 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$238K
$222K low$254K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$9,000 · Oct 19, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,969 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$119,400 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$118,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$238,800

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.39
39
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
25
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
58
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
60
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
13
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySAGINAW
Lot (acres)The size of the land the home sits on, from county records.0.75
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
St Charles Community Middlehigh SchoolC
High · Grades 7–12 · 4.2 mi
E
St Charles Elementary SchoolB-
Elementary · Grades PK–6 · 4.3 mi

District: St. Charles Community Schools

Neighborhood · ZIP 48626These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.69
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.16

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.5,800
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.89 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$80,011
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$107,000
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.32 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

12975 Spencer Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 70% of homes in Saginaw County
  • Costs more per square foot than 76% of homes in Saginaw County
  • Has a smaller lot than 71% of homes in Hemlock 48626
  • Among the newest homes in Saginaw County

What homes are worth in Hemlock 48626

Each bar is how many homes fall in that price range. The marker is this home.

This home
$108K$536K

This home is worth more than 43% of homes in Hemlock 48626.

How it measures up in Hemlock 48626

The dot is this home. The mark in the middle is the typical home in Hemlock 48626.

Estimated value$237,575
CheaperTypical $253,988Pricier

Pricier than 43% of homes nearby

Price per ft²$157
CheaperTypical $156Pricier

Pricier than 51% of homes nearby

Living area1,512 ft²
SmallerTypical 1,620 ft²Bigger

Bigger than 41% of homes nearby

Lot size0.75 ac
SmallerTypical 1.61 acBigger

Bigger than 29% of homes nearby

Year built2022
OlderTypical 1972Newer

Newer than almost all homes nearby

How 12975 Spencer Rd ranks against every home in each area.
MeasureThis homeHemlock 48626Saginaw County
Estimated valuepricier than$237,57543% of homes70% of homes
Price per ft²pricier than$15751% of homes76% of homes
Living areabigger than1,512 ft²41% of homes58% of homes
Lot sizebigger than0.75 ac29% of homes71% of homes
Year builtnewer than2022almost all homesalmost all homes

About 12975 Spencer Rd

How much is 12975 Spencer Rd, Hemlock, MI worth?

The TopHap Estimate for 12975 Spencer Rd, Hemlock, MI is $237,575 as of Sep 24, 2026. The likely range is $221,523 to $253,627. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12975 Spencer Rd, Hemlock, MI last sell?

12975 Spencer Rd, Hemlock, MI last sold on Oct 19, 2020 for $9,000, according to the county's recorded deed.

How big is 12975 Spencer Rd, Hemlock, MI?

12975 Spencer Rd, Hemlock, MI has 3 bedrooms, 2 bathrooms, 1,512 square feet of living space and a 0.75-acre lot.

When was 12975 Spencer Rd, Hemlock, MI built?

12975 Spencer Rd, Hemlock, MI was built in 2022, making it 4 years old. The building has 1 story.

What schools serve 12975 Spencer Rd, Hemlock, MI?

12975 Spencer Rd, Hemlock, MI is assigned to St Charles Community Middlehigh School (high), rated C; St Charles Elementary School (elementary), rated B-. All sit in St. Charles Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12975 Spencer Rd, Hemlock, MI compare to other homes in Hemlock 48626?

Among the 2,411 homes in Hemlock 48626, it is worth more than 43% of them ($237,575 against a typical $253,988), its price per square foot is higher than 51% of them ($157 against a typical $156), it is bigger than 41% of them (1,512 ft² against a typical 1,620 ft²), its lot is bigger than 29% of them (0.75 ac against a typical 1.61 ac) and it is newer than almost all of them (2022 against a typical 1972). Measured against all of Saginaw County, it is worth more than 70% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 12975 Spencer Rd, Hemlock, MI?

The 2025 property tax bill for 12975 Spencer Rd, Hemlock, MI was $2,969. The county assessed it at $119,400.

More homes on Spencer Rd

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More homes in Hemlock 48626

Assigned schools

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