Bay County property record for 301 S Water St, Pinconning, MI 48650
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,230 sqft · built 1925 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,496 (2026) |
| Deeds & Mortgages | Oct 2017 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 180-P10-005-012-00 |
| Primary APN | 180-P10-005-012-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,230 sqft Living Area |
| 1st Floor Area | 1,230 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Lot Area | 5,009 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Area | 345 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 301 S WATER ST |
|---|---|
| City | PINCONNING |
| State | MI |
| Zip | 48650-9610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 BLK 5 THE PLUMMER ADD., L2/P58 BCR |
| Legal Subdivision | THE PLUMMER ADD |
| Legal Block | 5 |
| Legal Lot Number | 12 |
| Jurisdiction | BAY MI |
| Township / Civil Division | PINCONNING |
| Census Block Group | 3 |
| Census Block | 3048 |
| Census Tract | 286300 |
301 S Water St is owned and occupied by an individual.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 133, PINCONNING, MI 48650-0133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 301 S WATER ST, PINCONNING, MI 48650-9610 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0032460094 |
|---|---|
| Date | Oct 25, 2017 |
| Book Page | 3246/094 |
| Instrument | 3246-094 |
| Name | UNITED BAY COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | BAY CITY, MI 48708 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2032 |
The 2026 property tax bill for 301 S Water St was $1,496 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| Municipality | Pinconning City |
| Unified School District | Pinconning Area Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,496.00 Homeowner's exemption | $42,200 | $84,400 |
| 2023 | $29,500 | $59,000 | |
| 2022 | $1,334.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 301 S Water St in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1983.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 17 (1983–2020) |
| Claims Outside the SFHA | 3 of 17 |
| Most Recent Claim | May 2020 · tidal / storm surge |
| 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.
The area around 301 S Water St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF PINCONNING serves 1,204 people · EPA ID MI0005330 |
|---|---|
| Water Source | Purchased surface water from BAY AREA WATER SYSTEM |
| Last State Inspection | Apr 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 348 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Point Broadband.
5G (outdoors only) and 4G LTE
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