2227 E Cody Estey Rd, Pinconning, MI 48650 Property Records

Bay County property record for 2227 E Cody Estey Rd, Pinconning, MI 48650

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,528 sqft
Lot Size	0.62 acres (27,007 sqft)
Owner	Individual Name on Record
Last Sale	$117,000 (Dec 2019)
Tax Bill	$2,248 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120-014-300-050-00`

Property Details

APN / Parcel Number

Primary APN	`120-014-300-050-00`

Interior

Full Baths	1 Bath
Building Area	1,528 sqft Living Area
1st Floor Area	1,528 sqft
Basement Area	1,528 sqft

Exterior

Architectural Style	Ranch
Lot Area	27,007 sqft (0.62 acres)
Lot Dimensions	187 ft deep x 125 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2227 E CODY ESTEY RD
City	PINCONNING
State	MI
Zip	48650-9712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT SW COR OF E 1/2 OF S 1/2 OF E 1/2 OF SE 1/4 OF SW 1/4 TH N 220 FT TH E 122 FT TH S TO SEC LI TO PT 125 FT E OF BEG TH
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 October 6, 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	2227 E CODY ESTEY RD, PINCONNING, MI 48650-9712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed of Trust, Mortgage · Line of Credit CENTRAL CREDIT UNION
Dec 11, 2019	Warranty Deed, Transfer · FHA Mortgage UNION HM MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2019 · Amount on Record
Deed Sale	Dec 11, 2019 · Amount on Record
Prior Sale	Jun 2, 2016 · Amount on Record
Deed Document Number	201916695
Prior Transfer Date	Sep 28, 2012
Prior Transfer Doc	0029080625
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Recording Date	Sep 28, 2026
Property Address	2227 E CODY ESTEY RD, PINCONNING, MI 48650-9712
Document Number	0000012658
Instrument Date	Sep 18, 2026
Instrument	202612658
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2227 E CODY ESTEY RD, PINCONNING, MI 48650-9712

Mortgage

Document Number	0000012658,
Date	Sep 28, 2026
Instrument	202612658

Lender

Name	CENTRAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 3, 2036

Interest

Max Rate	-1%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Dec 11, 2019
Property Address	2227 E CODY ESTEY RD, PINCONNING, MI 48650-9712
Document Number	0000016695
Instrument Date	Nov 27, 2019
Instrument	16695
Transaction Type	Transfer
Record Updated	Jan 28, 2020
Title Company	SAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,006.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	325 S 7TH ST WEST BRANCH MI 486611251, WEST BRANCH, MI 48661-1251

Mortgage

Document Number	16696
Date	Dec 11, 2019
Instrument	16696

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2049

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	$2,248.00 (+2.65%) Homeowner's exemption	$80,500 (-3.59%)	$161,000 (-3.59%)
2025		$83,500 (+23.16%)	$167,000 (+23.16%)
2024	$2,190.00 (+11.51%)
2023		$67,800	$135,600
2022	$1,964.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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