2145 E Cody Estey Rd, Pinconning, MI 48650 Property Records

Bay County property record for 2145 E Cody Estey Rd, Pinconning, MI 48650

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,680 sqft
Lot Size	0.86 acres (37,462 sqft)
Owner	Individual Name on Record
Last Sale	$193,000 (Sep 2022)
Tax Bill	$2,874 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120-014-300-080-00`

Property Details

APN / Parcel Number

Primary APN	`120-014-300-080-00`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Foundation Type	Raised
Lot Area	37,462 sqft (0.86 acres)
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2145 E CODY ESTEY RD
City	PINCONNING
State	MI
Zip	48650-9710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 250 FT OF S 283 FT OF W 150 FT OF E 366 FT OF W 1/2 OF SE 1/4 OF SW 1/4. SEC 14 T17N R4E
Legal Range	04E
Legal Township	17N
Legal Section	14
Jurisdiction	BAY MI
Township / Civil Division	PINCONNING
Census Block Group	3
Census Block	3036
Census Tract	286300

Owner

Source: Bay County records, as of June 11, 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	2145 E CODY ESTEY RD, PINCONNING, MI 48650-9710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 15, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 4, 2020	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2022 · Amount on Record
Deed Sale	Sep 15, 2022 · Amount on Record
Prior Sale	Sep 4, 2020 · Amount on Record
Deed Document Number	202213180
Prior Transfer Date	Jan 22, 2010
Prior Transfer Doc	0027220031
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	2145 E CODY ESTEY RD, PINCONNING, MI 48650-9710
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2145 E CODY ESTEY RD, PINCONNING, MI 48650-9710

Mortgage

Document Number	0000018183
Date	Oct 28, 2021
Instrument	202118183

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2050

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Sep 15, 2022
Property Address	2145 E CODY ESTEY RD, PINCONNING, MI 48650-9710
Document Number	0000013180
Instrument Date	Sep 13, 2022
Instrument	202213180
Transaction Type	Transfer
Record Updated	Jan 19, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,447.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5031 HUTCHISON ST # 5031, 5031, ASHVILLE, OH 43103-7514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 W 5TH ST, PINCONNING, MI 48650-9515

Mortgage

Document Number	0000013181
Date	Sep 15, 2022
Instrument	202213181

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Sep 4, 2020
Property Address	2145 E CODY ESTEY RD, PINCONNING, MI 48650-9710
Document Number	0000012333
Instrument Date	Aug 31, 2020
Instrument	202012333
Transaction Type	Transfer
Record Updated	Jan 19, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$903.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	365 NORTH ST, STANDISH, MI 48658-9166

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	365 CALEBRA TR W, SAGINAW, MI 48603

Mortgage

Document Number	0000012334
Date	Sep 4, 2020
Instrument	202012334

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Pinconning Township
Unified School District	Pinconning Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,874.00 (+3.2%) Homeowner's exemption	$89,100 (-4.81%)	$178,200 (-4.81%)
2025		$93,600 (+23.32%)	$187,200 (+23.32%)
2024	$2,785.00 (+29.66%)
2023		$75,900	$151,800
2022	$2,148.00

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.

Flood

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	17 (1983–2020)
Claims Outside the SFHA	3 of 17
Most Recent Claim	May 2020 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, Jun 2017 · 2 claims Severe Storms & Flooding, Oct 1986 · 4 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Point Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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