Bay County property record for 118 Chippewa St, Kawkawlin, MI 48631
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,701 sqft · built 1900 |
| Lot Size | 0.183 acres (7,971 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $40,000 (Oct 1987) |
| Tax Bill | $1,706 (2026) |
| Deeds & Mortgages | Dec 2019 Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 100-K10-007-015-00 |
| Primary APN | 100-K10-007-015-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,701 sqft Living Area |
| 1st Floor Area | 1,269 sqft |
| Basement Area | 1,269 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Ranch |
| Lot Area | 7,971 sqft (0.183 acres) |
| Lot Dimensions | 121 ft deep x 66 ft wide |
| Garage Area | 901 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Street Address | 118 CHIPPEWA ST |
|---|---|
| City | KAWKAWLIN |
| State | MI |
| Zip | 48631-9205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 15 & E. 12 FT OF LOT 17, BLK. 7. VILLAGE OF KAWKAWLIN, L1/P96 BCR |
| Legal Subdivision | VILLAGE OF KAWKAWLIN |
| Legal Lot Number | 15,17 |
| Jurisdiction | BAY MI |
| Township / Civil Division | MONITOR |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 285700 |
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 | PO BOX 281, KAWKAWLIN, MI 48631-0281 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 6, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WANIGAS CU |
| Jan 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WANIGAS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 1987 · Amount on Record |
| Deed Sale | Oct 30, 1987 · Amount on Record |
| Deed Book / Page | 1069 / 125 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 118 CHIPPEWA ST, KAWKAWLIN, MI 48631-9205 |
| Document Number | 0000016810 |
| Instrument Date | Dec 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2020 |
| Title Company | MID-STATE TITLE SERVICES INC, MID-STATE TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 118 CHIPPEWA ST KAWKAWLIN MI 486319205, KAWKAWLIN, MI 48631-9205 |
| Document Number | 0000016810 |
|---|---|
| Date | Dec 13, 2019 |
| Instrument | 16810 |
| Name | WANIGAS CU |
|---|---|
| Address | SAGINAW, MI 48603 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 12, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 118 CHIPPEWA ST, KAWKAWLIN, MI 48631-9205 |
| Document Number | 0000001497 |
| Instrument Date | Jan 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2019 |
| Title Company | MID-STATE TITLE SERVICES INC, MID-STATE TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 118 CHIPPEWA ST KAWKAWLIN MI 486319205, KAWKAWLIN, MI 48631-9205 |
| Document Number | 0000001497 |
|---|---|
| Date | Feb 7, 2019 |
| Instrument | 1497 |
| Name | WANIGAS CU |
|---|---|
| Address | SAGINAW, MI 48603 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 6, 2029 |
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Monitor Charter Township |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,706.00 Homeowner's exemption | $74,600 (+11.34%) | $149,200 (+11.34%) |
| 2023 | $67,000 | $134,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (2017–2020) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | May 2020 · river or lake flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BANGOR-MONITOR METRO DISTRICT serves 2,971 people · EPA ID MI0000400 |
|---|---|
| Water Source | Purchased surface water from BAY AREA WATER SYSTEM |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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