Bay County property record for 197 E Coggins Rd, Pinconning, MI 48650
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 900 sqft |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $103,900 (Aug 2020) |
| Tax Bill | $1,624 (2026) |
| Deeds & Mortgages | Jan 2026 Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-007-100-010-01 |
| Primary APN | 040-007-100-010-01 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 900 sqft Living Area |
| 1st Floor Area | 900 sqft |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Wood Siding |
| Lot Area | 43,996 sqft (1.01 acres) |
| Lot Dimensions | 88 ft deep x 250 ft wide |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 197 E COGGINS RD |
|---|---|
| City | PINCONNING |
| State | MI |
| Zip | 48650-9459 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | W 250 FT OF E 575 FT OF S 176 FT OF SE 1/4 OF SE 1/4 OF NW 1/4. SEC.7,T16N,R4E |
| Jurisdiction | BAY MI |
| Township / Civil Division | FRASER |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 286200 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 197 E COGGINS RD, PINCONNING, MI 48650-9459 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 5, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Aug 19, 2020 | Warranty Deed, Transfer · Conventional with PMI JOLT CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2020 · Amount on Record |
| Deed Sale | Aug 19, 2020 · Amount on Record |
| Prior Sale | Mar 8, 2007 · Amount on Record |
| Deed Document Number | 202011431 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 197 E COGGINS RD, PINCONNING, MI 48650-9459 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 197 E COGGINS RD, PINCONNING, MI 48650-9459 |
| Document Number | 0000000017 |
|---|---|
| Date | Jan 5, 2026 |
| Instrument | 202600017 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 19, 2020 |
| Property Address | 197 E COGGINS RD, PINCONNING, MI 48650-9459 |
| Document Number | 0000011431 |
| Instrument Date | Aug 17, 2020 |
| Instrument | 11431 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2021 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $894.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 220 S 4TH ST LINWOOD MI 486342507, LINWOOD, MI 48634-2507 |
| Document Number | 11432 |
|---|---|
| Date | Aug 19, 2020 |
| Instrument | 11432 |
| Name | JOLT CU |
|---|---|
| Address | SAGINAW, MI 48603-3245 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 18, 2050 |
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 | $1,624.00 (+14.21%) Homeowner's exemption | $56,600 (+31.63%) | $113,200 (+31.63%) |
| 2023 | $43,000 | $86,000 | |
| 2022 | $1,422.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% 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 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Point Broadband Fixed Wireless | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| Brightspeed DSL | 40 / 3 |
| T-Mobile Fixed Wireless | 25 / 3 |
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