Bay County property record for 1638 N Huron Rd, Pinconning, MI 48650
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,920 sqft · built 1979 |
| Lot Size | 0.766 acres (33,387 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $197,000 (Sep 2018) |
| Tax Bill | $3,330 (2026) |
| Deeds & Mortgages | Aug 2020 Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-F05-000-011-00 |
| Primary APN | 040-F05-000-011-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,920 sqft Living Area |
| 1st Floor Area | 2,920 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Lot Area | 33,387 sqft (0.766 acres) |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1638 N HURON RD |
|---|---|
| City | PINCONNING |
| State | MI |
| Zip | 48650-9509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SE |
| Legal Description | LOT 11 & ALSO OUTLOT A FAIRWAYS SUBDIVISION, L9/P19 BCR |
| Legal Subdivision | FAIRWAYS SUBDIVISION |
| Legal Lot Number | 11A |
| Jurisdiction | BAY MI |
| Township / Civil Division | FRASER |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 286200 |
1638 N Huron Rd is owned and occupied by two individuals who bought it in September 2018.
Source: Bay County records, as of May 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1638 N HURON RD, PINCONNING, MI 48650-9509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Sep 9, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Sep 12, 2018 | Warranty Deed, Transfer · FHA Mortgage ACADEMY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2018 · Amount on File |
| Deed Sale | Sep 12, 2018 · Amount on File |
| Prior Sale | Oct 24, 2012 · Amount on File |
| Deed Document Number | 201812567 |
| Prior Transfer Date | Mar 15, 2000 |
| Prior Transfer Doc | 1671000421 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 1638 N HURON RD, PINCONNING, MI 48650-9509 |
| Document Number | 0000011845 |
| Instrument Date | Aug 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1638 N HURON RD PINCONNING MI 486509509, PINCONNING, MI 48650-9509 |
| Document Number | 0000011845 |
|---|---|
| Date | Aug 27, 2020 |
| Instrument | 11845 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Aug 26, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 1638 N HURON RD, PINCONNING, MI 48650-9509 |
| Document Number | 0000012843 |
| Instrument Date | Sep 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2019 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1638 N HURON RD PINCONNING MI 486509509, PINCONNING, MI 48650-9509 |
| Document Number | 0000012843 |
|---|---|
| Date | Sep 17, 2019 |
| Instrument | 12843 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 16, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 12, 2018 |
| Property Address | 1638 N HURON RD, PINCONNING, MI 48650-9509 |
| Document Number | 0000012567 |
| Instrument Date | Sep 11, 2018 |
| Instrument | 12567 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,694.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1250 TOWNLINE RD #14 KAWKAWLIN MI 486319116, 14, KAWKAWLIN, MI 48631-9116 |
| Document Number | 12568 |
|---|---|
| Date | Sep 12, 2018 |
| Instrument | 12568 |
| Name | ACADEMY MTG |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 11, 2048 |
The 2026 property tax bill for 1638 N Huron Rd was $3,330 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Fraser Township |
| Unified School District | Pinconning Area Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,330.00 Homeowner's exemption | $160,000 | $320,000 |
| 2023 | $115,300 | $230,600 | |
| 2022 | $2,915.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1638 N Huron Rd in Zone X, an area of minimal flood risk, though there have been 8 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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 8 (1986–2020) |
| Claims Outside the SFHA | 1 of 8 |
| Most Recent Claim | Jan 2020 · river or lake flooding |
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 1638 N Huron 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 97% of the US · lower than 93% 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 56 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 Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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