2620 Fraser Rd, Kawkawlin, MI 48631 Property Records

Bay County property record for 2620 Fraser Rd, Kawkawlin, MI 48631

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,496 sqft · built 2003
Lot Size	1.18 acres (51,401 sqft)
Owner	2 Individual Names on Record
Last Sale	$387,000 (Feb 2020)
Tax Bill	$5,690 (2026)
Deeds & Mortgages	May 2017 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-032-200-020-13`

Property Details

APN / Parcel Number

Primary APN	`080-032-200-020-13`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,496 sqft Living Area
1st Floor Area	1,664 sqft
Basement Area	1,664 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	51,401 sqft (1.18 acres)
Lot Dimensions	320 ft deep x 160 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2620 FRASER RD
City	KAWKAWLIN
State	MI
Zip	48631-9115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT E 1/4 COR OF SEC TH N 728.37 FT TO HWY I-75 ROW TH W 35.07 FT & N 18D 08M W 168.85 FT & N 35D 39M W 614.59 FT ALG SD
Jurisdiction	BAY MI
Township / Civil Division	KAWKAWLIN
Census Block Group	1
Census Block	1028
Census Tract	286101

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	2620 FRASER RD, KAWKAWLIN, MI 48631-9115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHEMICAL BANK
Sep 11, 2020	Deed of Trust, Mortgage ACADEMY MTG
Feb 7, 2020	Warranty Deed, Transfer · Conventional with PMI ACADEMY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2020 · Amount on Record
Deed Sale	Feb 7, 2020 · Amount on Record
Prior Sale	Jan 18, 2006 · Amount on Record
Deed Document Number	20201735
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	2620 FRASER RD, KAWKAWLIN, MI 48631-9115
Transaction Type	Mortgage
Record Updated	Jul 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032160528
Date	May 12, 2017
Book Page	3216/528

Lender

Name	CHEMICAL BANK
Type	Bank
Address	WYOMING, MI 49519

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2032

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	2620 FRASER RD, KAWKAWLIN, MI 48631-9115
Document Number	0000012985
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Feb 8, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2620 FRASER RD KAWKAWLIN MI 486319115, KAWKAWLIN, MI 48631-9115

Mortgage

Document Number	0000012985
Date	Sep 16, 2020
Instrument	12985

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 15, 2040

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Feb 7, 2020
Property Address	2620 FRASER RD, KAWKAWLIN, MI 48631-9115
Document Number	0000001735
Instrument Date	Jan 30, 2020
Instrument	1735
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	TITLE RESOURCE AGENCY, TITLE RESOURCE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,328.00
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	803 S WARNER ST BAY CITY MI 487065041, BAY CITY, MI 48706-5041

Mortgage

Document Number	1736
Date	Feb 7, 2020
Instrument	1736

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,690.00 (+14.07%) Homeowner's exemption	$242,200 (+32.35%)	$484,400 (+32.35%)
2023		$183,000	$366,000
2022	$4,988.00

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

Source: FEMA National Flood Hazard Layer, effective February 17, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless · DSL in parts of the area	25 / 3

May also be available: Spectrum, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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