Bay County property record for 161 Chip Rd, Auburn, MI 48611
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,348 sqft · built 2001 |
| Lot Size | 10 acres (436,036 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $305,000 (Jul 2017) |
| Tax Bill | $7,520 (2026) |
| Deeds & Mortgages | Jun 2020 Mortgage Jun 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 140-001-400-005-01 |
| Primary APN | 140-001-400-005-01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,348 sqft Living Area |
| 1st Floor Area | 2,348 sqft |
| Basement Area | 1,928 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Lot Area | 436,036 sqft (10 acres) |
| Garage Area | 620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 161 CHIP RD |
|---|---|
| City | AUBURN |
| State | MI |
| Zip | 48611-9772 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM 1636.47 FT W OF E 1/4 COR OF SEC TO POB TH S 1309.78 FT TH W 332.74 FT ALG S 1/8 LI TH N 1311.41 FT TH E 332.77 FT TO |
| Jurisdiction | BAY MI |
| Township / Civil Division | WILLIAMS |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 285600 |
161 Chip Rd is owned and occupied by two individuals who bought it in July 2017.
Source: Bay County records, as of May 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 161 CHIP RD, AUBURN, MI 48611-9772 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2020 | Deed of Trust, Mortgage · Conventional with PMI PNC BK |
| Jun 11, 2018 | Deed of Trust, Mortgage · Conventional with PMI FIRST ST BK |
| Jul 17, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2017 · Amount on File |
| Deed Sale | Jul 17, 2017 · Amount on File |
| Prior Sale | Jul 22, 1999 · Amount on File |
| Deed Book / Page | 3227 / 911 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 161 CHIP RD, AUBURN, MI 48611-9772 |
| Document Number | 0000009109 |
| Instrument Date | Jun 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 161 CHIP RD AUBURN MI 486119772, AUBURN, MI 48611-9772 |
| Document Number | 0000009109 |
|---|---|
| Date | Jul 9, 2020 |
| Instrument | 9109 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 8, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 161 CHIP RD, AUBURN, MI 48611-9772 |
| Document Number | 0000008513 |
| Instrument Date | Jun 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 161 CHIP RD AUBURN MI 486119772, AUBURN, MI 48611-9772 |
| Document Number | 0000008513 |
|---|---|
| Date | Jun 15, 2018 |
| Instrument | 8513 |
| Name | FIRST ST BK |
|---|---|
| Type | Bank |
| Address | SAGINAW, MI 48605 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 14, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jul 17, 2017 |
| Property Address | 161 CHIP RD, AUBURN, MI 48611-9772 |
| Document Number | 0032270911 |
| Book / Page | 003227 / 000911 |
| Instrument Date | Jun 2, 2017 |
| Instrument | 15641 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $2,623.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3558 MACKINAW RD BAY CITY MI 487069459, BAY CITY, MI 48706-9459 |
The 2026 property tax bill for 161 Chip Rd was $7,520 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Williams Charter Township |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,520.00 Homeowner's exemption | $298,350 | $596,700 |
| 2023 | $237,850 | $475,700 | |
| 2022 | $6,261.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 161 Chip Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1986.
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 | 2 in force |
| Nearby Flood Claims | 5 (1986–2020) |
| Claims Outside the SFHA | 2 of 5 |
| 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.
Wildfire risk around 161 Chip Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 89% 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: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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