1540 Fraser Rd, Kawkawlin, MI 48631 Property Records

Bay County property record for 1540 Fraser Rd, Kawkawlin, MI 48631 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,034 sqft · built 1983
Lot Size	1.06 acres (46,174 sqft)
Owner	Individual Name on File
Tax Bill	$3,760 (2026)
Deeds & Mortgages	Dec 2025 Transfer May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-020-200-005-00`

Property Details

APN / Parcel Number

Primary APN	`080-020-200-005-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,034 sqft Living Area
1st Floor Area	2,034 sqft
Basement Area	2,034 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	46,174 sqft (1.06 acres)
Lot Dimensions	240 ft deep x 191 ft wide
Garage Area	1,164 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1540 FRASER RD
City	KAWKAWLIN
State	MI
Zip	48631-9474
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 191.38 FT OF N 466.38 FT OF E 240 FT OF N 1/2 OF NE 1/4 OF NE 1/4. SEC.20 T15N,R4E
Jurisdiction	BAY MI
Township / Civil Division	KAWKAWLIN
Census Block Group	1
Census Block	1035
Census Tract	286102

Owner

Source: Bay County records · APN 080-020-200-005-00

Assessment roll updated May 18, 2026 · Last verified May 2026

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

Owner of Record	Individual Name on File
Mailing Address	1540 FRASER RD, KAWKAWLIN, MI 48631-9474
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Intrafamily Transfer, Transfer
May 11, 2021	Deed of Trust, Mortgage · FHA Mortgage ENVOY MORTGAGE LTD
Apr 06, 2021	Warranty Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 06, 2021
Deed Sale	Apr 06, 2021
Prior Sale	May 05, 1995 · Amount on Record
Deed Document Number	20215490
Last Transfer Date	Dec 16, 2025
Transfer Doc	0000015555
Record Updated	Jun 08, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY MI
Recording Date	Dec 16, 2025
Property Address	1540 FRASER RD, KAWKAWLIN, MI 48631-9474
Document Number	0000015555
Instrument Date	Dec 16, 2025
Instrument	202515555
Transaction Type	Transfer
Record Updated	Jan 01, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 FRASER RD, KAWKAWLIN, MI 48631-9474

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	1540 FRASER RD, KAWKAWLIN, MI 48631-9474
Transaction Type	Mortgage
Record Updated	Jul 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202108760
Date	May 11, 2021
Instrument	202108760

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Apr 06, 2021
Property Address	1540 FRASER RD, KAWKAWLIN, MI 48631-9474
Document Number	202105490
Instrument Date	Apr 02, 2021
Instrument	202105490
Transaction Type	Transfer
Record Updated	Jul 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	472 W RIVER RD, 472, KAWKAWLIN, MI 48631-9776

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	472 W RIVER RD, KAWKAWLIN, MI 48631-9776

Mortgage

Document Number	202105491
Date	Apr 06, 2021
Instrument	202105491

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated May 18, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,760.00 (+5.74%) Homeowner's exemption	$142,700 (+0.07%)	$285,400 (+0.07%)
2025		$142,600 (+33.15%)	$285,200 (+33.15%)
2024	$3,556.00 (+7.63%)
2023		$107,100	$214,200
2022	$3,304.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (26017C), updated February 17, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Low above 7% of the US · above 17% of Michigan
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 11 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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