Bay County property record for 2406 Oak Rd, Pinconning, MI 48650
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,300 sqft · built 1935 |
| Lot Size | 0.68 acres (29,621 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,318 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-041-100-035-00 |
| Primary APN | 040-041-100-035-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,300 sqft Living Area |
| 1st Floor Area | 1,300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Lot Area | 29,621 sqft (0.68 acres) |
| Lot Width | 55.8 ft Width |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 2406 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 1625 FT N OF W 1/4 POST TH N 50 FT TH E TO MEANDER LI OF SAGINAW BAY TH SLY TO PT DUE E OF BEG TH W TO BEG. ALSO COM 1675 |
| Jurisdiction | BAY MI |
| Township / Civil Division | FRASER |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 286200 |
2406 Oak Rd is owned and occupied by an individual who acquired it in September 2012.
Source: Bay County records, as of September 24, 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 | Individual Name on File |
|---|---|
| Mailing Address | 11812 BRISTOL LN, NEW PORT RICHEY, FL 34654-1439 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 25, 2026 | Deed of Trust, Mortgage · VA Mortgage USAA FSB |
| Oct 2, 2017 | Deed of Trust, Mortgage · Conventional Mortgage DORT FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 20, 2012 |
| Transfer Doc | 0029050915 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 25, 2026 |
| Property Address | 2406 OAK RD, PINCONNING, MI 48650-9747 |
| Document Number | 0000012552 |
| Instrument Date | Sep 16, 2026 |
| Instrument | 202612552 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4750 WALTAN RD, VASSAR, MI 48768-8904 |
| Document Number | 0000012552, |
|---|---|
| Date | Sep 25, 2026 |
| Instrument | 202612552 |
| Name | USAA FSB |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 2406 OAK RD, PINCONNING, MI 48650-9747 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0032410537 |
|---|---|
| Date | Oct 2, 2017 |
| Book Page | 3241/537 |
| Instrument | 3241-537 |
| Name | DORT FCU |
|---|---|
| Type | Credit Union |
| Address | GRAND BLANC, MI 48439 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2032 |
The 2026 property tax bill for 2406 Oak Rd was $1,318 with a homeowner's exemption, up 244.1% from the year before.
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 | $1,318.00 (+244.13%) Homeowner's exemption | $111,200 (+17.67%) | $222,400 (+17.67%) |
| 2025 | $383.00 Homeowner's exemption | $94,500 | $189,000 |
| 2023 | $64,200 | $128,400 | |
| 2022 | $1,154.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2406 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 |
|
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 risk around 2406 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.
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 |
5G (outdoors only) and 4G LTE
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