2394 Oak Rd, Pinconning, MI 48650 Property Records

Bay County property record for 2394 Oak Rd, Pinconning, MI 48650

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1970
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$161,000 (Aug 2021)
Tax Bill	$2,167 (2026)
Deeds & Mortgages	Dec 2025 Transfer Aug 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-041-100-025-00`

Property Details

APN / Parcel Number

Primary APN	`040-041-100-025-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	43,560 sqft (1 acres)
Lot Width	100 ft Width
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	2394 OAK RD
City	PINCONNING
State	MI
Zip	48650-9747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	COM ON W LI OF SEC. 1425 FT N OF W 1/4 POST TH N 100 FT TH E 448 FT TH S 100 FT TH W 448 FT TO BEG. SEC 7 T16N R5E
Legal Range	05E
Legal Township	16N
Legal Section	07
Jurisdiction	BAY MI
Township / Civil Division	FRASER
Census Block Group	4
Census Block	4003
Census Tract	286200

Owner

2394 Oak Rd is owned and occupied by two individuals who acquired it in December 2025.

Source: Bay County records, as of May 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2394 OAK RD, PINCONNING, MI 48650-9747
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2025	Quit Claim Deed, Transfer Quitclaim
Aug 12, 2021	Warranty Deed, Transfer CROSSROADS TITLE
Mar 20, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FINANCIALEDGE COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2021 · Amount on File
Deed Sale	Aug 12, 2021 · Amount on File
Deed Document Number	202113987
Last Transfer Date	Dec 2, 2025
Transfer Doc	0000014940
Record Updated	Jun 8, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Dec 2, 2025
Property Address	2394 OAK RD, PINCONNING, MI 48650-9747
Document Number	0000014940
Instrument Date	Dec 2, 2025
Instrument	202514940
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2394 OAK RD, PINCONNING, MI 48650-9747

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Aug 12, 2021
Property Address	2394 OAK RD, PINCONNING, MI 48650-9747
Document Number	202113987
Instrument Date	Aug 6, 2021
Instrument	202113987
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount on Record
Tax	$1,384.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2394 OAK RD, 2394, PINCONNING, MI 48650-9747

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5948 BEARDEN VIEW LN, KNOXVILLE, TN 37909-1778

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	2394 OAK RD, PINCONNING, MI 48650-9747
Transaction Type	Mortgage
Record Updated	Jul 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032050588
Date	Mar 20, 2017
Book Page	3205/588

Lender

Name	FINANCIALEDGE COMMUNITY CU
Type	Credit Union
Address	BAY CITY, MI 48706

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2027

Tax Assessment & Valuation

The 2026 property tax bill for 2394 Oak Rd was $2,167 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,167.00 Homeowner's exemption	$96,700 (+14.3%)	$193,400 (+14.3%)
2025		$84,600	$169,200
2024	$2,104.00
2023		$67,000	$134,000
2022	$1,897.00

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

FEMA maps place 2394 Oak Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 34 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	16 (1983–2020)
Claims Outside the SFHA	3 of 16
Most Recent Claim	May 2020 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2017 · 6 claims Severe Storms & Flooding, Sep 1986 · 2 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

Wildfire risk around 2394 Oak Rd is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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