1084 River Rd, Kawkawlin, MI 48631 Property Records

Bay County property record for 1084 River Rd, Kawkawlin, MI 48631

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,545 sqft · built 1910
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,962 (2026)
Deeds & Mortgages	Oct 2019 Line of Credit Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-021-100-050-00`

Property Details

APN / Parcel Number

Primary APN	`080-021-100-050-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,545 sqft Living Area
1st Floor Area	1,236 sqft
Basement Area	1,236 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	871,200 sqft (20 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1084 RIVER RD
City	KAWKAWLIN
State	MI
Zip	48631-9426
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	W. 1/2 OF NE 1/4 OF NW 1/4 SEC 21 T15N R4E
Legal Range	04E
Legal Township	15N
Legal Section	21
Jurisdiction	BAY MI
Township / Civil Division	KAWKAWLIN
Census Block Group	1
Census Block	1027
Census Tract	286102

Owner

Source: Bay County records, as of May 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1084 RIVER RD, KAWKAWLIN, MI 48631-9426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2019	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK
Jun 14, 2018	Deed of Trust, Mortgage HUNTINGTON NAT'L BK
Apr 16, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 2, 2015
Transfer Doc	0031030704
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	1084 RIVER RD, KAWKAWLIN, MI 48631-9426
Document Number	0000015467
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1084 RIVER RD KAWKAWLIN MI 486319426, KAWKAWLIN, MI 48631-9426

Mortgage

Document Number	0000015467
Date	Nov 15, 2019
Instrument	15467

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2049

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	1084 RIVER RD, KAWKAWLIN, MI 48631-9426
Document Number	0000008731
Instrument Date	Jun 14, 2018
Transaction Type	Mortgage
Record Updated	Oct 31, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1084 RIVER RD KAWKAWLIN MI 486319426, KAWKAWLIN, MI 48631-9426

Mortgage

Document Number	0000008731
Date	Jun 21, 2018
Instrument	8731

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jun 20, 2038

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Apr 16, 2018
Property Address	1084 RIVER RD, KAWKAWLIN, MI 48631-9426
Document Number	0000004884
Instrument Date	Apr 13, 2018
Instrument	4884
Transaction Type	Transfer
Record Updated	Jul 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1084 RIVER RD KAWKAWLIN MI 486319426, KAWKAWLIN, MI 48631-9426

Tax Assessment & Valuation

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Kawkawlin Township
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,962.00 (+69.43%) Homeowner's exemption	$131,100 (+5.56%)	$262,200 (+5.56%)
2025	$1,158.00 (-33.29%) Homeowner's exemption	$124,200 (+15.32%)	$248,400 (+15.32%)
2023		$107,700	$215,400
2022	$1,736.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 17, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	None beyond ember reach

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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

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