2189 Cotter Rd, Munger, MI 48747 Property Records

Bay County property record for 2189 Cotter Rd, Munger, MI 48747 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,446 sqft · built 1900
Lot Size	1.65 acres (71,874 sqft)
Owner	Individual Name on File
Last Sale	$82,000 (May 2018)
Tax Bill	$2,060 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`090-025-100-010-01`

Property Details

APN / Parcel Number

Primary APN	`090-025-100-010-01`

Interior

Full Baths	1 Bath
Building Area	1,446 sqft Living Area
1st Floor Area	964 sqft
Basement Area	964 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	71,874 sqft (1.65 acres)
Lot Dimensions	326 ft deep x 200 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2189 COTTER RD
City	MUNGER
State	MI
Zip	48747-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG ON W SEC LN N0?17'57"W 512 FT FROM W 1/4 COR, TH CONT N0?17'57"W 200 FT, TH N89?42'03"E 359 FT, TH S0?17'57"E 200 FT, TH
Jurisdiction	BAY MI
Township / Civil Division	MERRITT
Census Block Group	5
Census Block	5113
Census Tract	285300

Owner

Source: Bay County records · APN 090-025-100-010-01

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	2189 COTTER RD, MUNGER, MI 48747-9754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage GENISYS CU
Nov 20, 2018	Deed of Trust, Mortgage GREENSTONE FARM CREDIT SVC(S)
May 23, 2018	Warranty Deed, Transfer · Conventional with PMI GENISYS CU
Apr 21, 2017	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 23, 2018 · Amount on Record
Deed Sale	May 23, 2018 · Amount on Record
Deed Document Number	20187464
Record Updated	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	2189 COTTER RD, MUNGER, MI 48747-9754
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2189 COTTER RD, MUNGER, MI 48747-9754

Mortgage

Document Number	202116219
Date	Sep 22, 2021
Instrument	202116219

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 01, 2036

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	2189 COTTER RD, MUNGER, MI 48747-9754
Document Number	0000016010
Instrument Date	Nov 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 03, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	8730 WCARO RD REESE MI 48757, REESE, MI 48757

Mortgage

Document Number	0000016010
Date	Nov 26, 2018
Instrument	16010

Lender

Name	GREENSTONE FARM CREDIT SVC(S)
Address	EAST LANSING, MI 48823

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2048

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	May 23, 2018
Property Address	2189 COTTER RD, MUNGER, MI 48747-9754
Document Number	0000007464
Instrument Date	May 09, 2018
Instrument	7464
Transaction Type	Transfer
Record Updated	Oct 31, 2018
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$705.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8742 STATE RD MILLINGTON MI 487469665, MILLINGTON, MI 48746-9665

Mortgage

Document Number	7465
Date	May 23, 2018
Instrument	7465

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2048

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Apr 21, 2017
Property Address	2189 COTTER RD, MUNGER, MI 48747-9754
Document Number	0032120445
Book / Page	003212 / 000445
Instrument Date	Mar 22, 2017
Transaction Type	Transfer
Record Updated	May 20, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	485 N REESE RD REESE MI 487579604, REESE, MI 48757-9604

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	Merritt 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	$2,060.00 (+26.85%) Homeowner's exemption	$93,000 (+56.3%)	$186,000 (+56.3%)
2023		$59,500	$119,000
2022	$1,624.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (26017C), updated February 17, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260172853005, refreshed September 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
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 3 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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