256 Chip Rd, Auburn, MI 48611 Property Records

Bay County property record for 256 Chip Rd, Auburn, MI 48611

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,664 sqft · built 1967
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Jun 2018)
Tax Bill	$2,612 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`140-001-100-020-00`

Property Details

APN / Parcel Number

Primary APN	`140-001-100-020-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,664 sqft Living Area
1st Floor Area	1,664 sqft
Basement Area	1,664 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Lot Area	217,800 sqft (5 acres)
Garage Area	1,704 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	256 CHIP RD
City	AUBURN
State	MI
Zip	48611-9773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	COM AT SE COR OF S 1/2 OF NW FRL 1/4 TH N 554 FT TH W 393 FT TH S 554 FT TH E 393 FT TO BEG. SEC 1 T14N R3E
Legal Range	03E
Legal Township	14N
Legal Section	01
Jurisdiction	BAY MI
Township / Civil Division	WILLIAMS
Census Block Group	1
Census Block	1000
Census Tract	285600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	256 CHIP RD, AUBURN, MI 48611-9773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS FIRST CU
Jun 19, 2019	Deed of Trust, Mortgage · Line of Credit MEMBERS FIRST CU
Jun 1, 2018	Warranty Deed, Transfer MEMBERS FIRST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2018 · Amount on Record
Deed Sale	Jun 1, 2018 · Amount on Record
Prior Sale	Jan 23, 2017 · Amount on Record
Deed Document Number	20187958
Prior Transfer Date	Jan 21, 2016
Prior Transfer Doc	0031340368
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	256 CHIP RD, AUBURN, MI 48611-9773
Transaction Type	Mortgage
Record Updated	Jan 14, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	256 CHIP RD, AUBURN, MI 48611-9773

Mortgage

Document Number	0000019357
Date	Nov 16, 2021
Instrument	202119357

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	256 CHIP RD, AUBURN, MI 48611-9773
Document Number	0000005277
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	256 CHIP RD AUBURN MI 486119773, AUBURN, MI 48611-9773

Mortgage

Document Number	0000005277
Date	Apr 13, 2020
Instrument	5277

Lender

Name	MEMBERS FIRST CU
Type	Credit Union
Address	MIDLAND, MI 48641-2165

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	256 CHIP RD, AUBURN, MI 48611-9773
Document Number	0000009049
Instrument Date	Jun 19, 2019
Transaction Type	Mortgage
Record Updated	Jul 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	256 CHIP RD AUBURN MI 486119773, AUBURN, MI 48611-9773

Mortgage

Document Number	0000009049
Date	Jun 26, 2019
Instrument	9049

Lender

Name	MEMBERS FIRST CU
Type	Credit Union
Address	MIDLAND, MI 48640

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jun 1, 2018
Property Address	256 CHIP RD, AUBURN, MI 48611-9773
Document Number	0000007958
Instrument Date	May 25, 2018
Instrument	7958
Transaction Type	Transfer
Record Updated	Oct 31, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,118.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	256 CHIP RD AUBURN MI 486119773, AUBURN, MI 48611-9773

Mortgage

Document Number	7959
Date	Jun 1, 2018
Instrument	7959

Lender

Name	MEMBERS FIRST CU
Type	Credit Union
Address	MIDLAND, MI 48641

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 31, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Williams Charter Township
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,612.00 (+90.52%) Homeowner's exemption	$174,100 (+8.78%)	$348,200 (+8.78%)
2025	$1,371.00 (-40.62%) Homeowner's exemption	$160,050 (+15.98%)	$320,100 (+15.98%)
2023		$138,000	$276,000
2022	$2,309.00

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1986–2020)
Claims Outside the SFHA	2 of 5
Most Recent Claim	May 2020 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2017 · 3 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 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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