1. Home
  2. Michigan
  3. Bay County
  4. Munger
  5. Cotter Rd

2433 Cotter Rd, Munger, MI 48747 Property Records

Bay County property record for 2433 Cotter Rd, Munger, MI 48747 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,185 sqft · built 1900
Lot Size1.55 acres (67,518 sqft)
OwnerIndividual Name on File
Last Sale$158,000 (Aug 2023)
Tax Bill$3,137 (2026)
Deeds & MortgagesSep 2025 Mortgage
Aug 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN090-025-300-040-00

Property Details

APN / Parcel Number

Primary APN090-025-300-040-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths2 Half Baths
Building Area2,185 sqft Living Area
1st Floor Area1,237 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Lot Area67,518 sqft (1.55 acres)
Lot Dimensions450 ft deep x 150 ft wide
Garage Area546 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address2433 COTTER RD
CityMUNGER
StateMI
Zip48747-9754
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionN 150 FT OF S 889 FT OF W 450 FT OF SW 1/4. SEC 25 T13N R6E 8-3-73
Legal Range06E
Legal Township13N
Legal Section25
JurisdictionBAY MI
Township / Civil DivisionMERRITT
Census Block Group5
Census Block5112
Census Tract285300

Owner

Source: Bay County records · APN 090-025-300-040-00

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 RecordIndividual Name on File
Mailing Address7320 JANES RD, SAGINAW, MI 48601-9662
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 10, 2025Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 16, 2023Warranty Deed, Transfer · Conventional Mortgage
ICON MORTGAGE LENDING INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 16, 2023 · Amount on Record
Deed SaleAug 16, 2023 · Amount on Record
Deed Document Number20239302
Prior Transfer DateNov 13, 2012
Prior Transfer Doc0029180611
Record UpdatedJun 08, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY MI
Property Address2433 COTTER RD, MUNGER, MI 48747-9754
Transaction TypeMortgage
Record UpdatedOct 03, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address2433 COTTER RD, MUNGER, MI 48747-9754

Mortgage

Document Number0000011522
DateSep 10, 2025
Instrument202511522
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2055

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY MI
Recording DateAug 16, 2023
Property Address2433 COTTER RD, MUNGER, MI 48747-9754
Document Number0000009302
Instrument DateAug 15, 2023
Instrument202309302
Transaction TypeTransfer
Record UpdatedOct 17, 2023
Title CompanyMID-STATE TITLE SERVICES INC, MID STATE TITLE SERVICES INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,185.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2433 COTTER RD, MUNGER, MI 48747-9754

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address7320 JANES RD, SAGINAW, MI 48601-9662

Mortgage

Document Number0000009303
DateAug 16, 2023
Instrument202309303
Lender
NameICON MORTGAGE LENDING INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2053

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated May 18, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateMichigan
CountyBay County
County SubdivisionMerritt Township
Unified School DistrictReese Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$3,137.00 (+229.17%) Homeowner's exemption$101,300 (+13.57%)$202,600 (+13.57%)
2025$953.00 (+429.44%) Homeowner's exemption$89,200$178,400
2022$180.00

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies4 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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 2 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
AT&TFixed Wireless25 / 3
Skyweb NetworksFixed Wireless (unlicensed)10 / 1
Air AdvantageFixed Wireless (licensed-by-rule)10 / 1
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cotter Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures