Bay County property record for 3011 River Forest Ct, Kawkawlin, MI 48631
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,304 sqft · built 2018 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $72,000 (Jan 2018) |
| Tax Bill | $6,054 (2026) |
| Deeds & Mortgages | Feb 2018 Construction Loan May 2019 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-036-400-275-01 |
| Primary APN | 080-036-400-275-01 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,304 sqft Living Area |
| 1st Floor Area | 1,843 sqft |
| Basement Area | 1,843 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 37,462 sqft (0.86 acres) |
| Lot Dimensions | 286 ft deep x 151 ft wide |
| Garage Area | 1,563 sqft |
| Parking Spaces | 6 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3011 RIVER FOREST CT |
|---|---|
| City | KAWKAWLIN |
| State | MI |
| Zip | 48631-9137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT S 1/4 COR OF SEC TH E 402.50 FT TH N 06D 44M E 53.38 FT TH N 64D 52M W 348.62 FT TO RPOB TH N 64D 52M W 110 FT TO A PT |
| Jurisdiction | BAY MI |
| Township / Civil Division | KAWKAWLIN |
| Census Block Group | 3 |
| Census Block | 3050 |
| Census Tract | 286102 |
Source: Bay County records, as of August 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3011 RIVER FOREST CT, KAWKAWLIN, MI 48631-9137 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 1, 2018 | Deed of Trust, Mortgage · Construction Mortgage HORIZON BANK |
| May 22, 2019 | Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK |
| Sep 23, 2019 | Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK |
| Jun 10, 2020 | Deed of Trust, Mortgage · Line of Credit HORIZON BANK |
| May 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK |
| Aug 12, 2021 | Intrafamily Transfer, Transfer |
| Jan 11, 2018 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 11, 2018 · Amount on Record |
| Deed Sale | Jan 11, 2018 · Amount on Record |
| Deed Document Number | 2018425 |
| Last Transfer Date | Mar 18, 2022 |
| Transfer Doc | 0000004628 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3011 RIVER FOREST CT, KAWKAWLIN, MI 48631-9137 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000001279 |
|---|---|
| Date | Feb 1, 2018 |
| Instrument | 201801279 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 371 Months |
| Due | Jan 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Jan 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.37% |
| Index | 1-Year CMT |
| Max Rate | 8.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3011 RIVER FOREST CT, KAWKAWLIN, MI 48631-9137 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000007383 |
|---|---|
| Date | May 22, 2019 |
| Instrument | 201907383 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MIDLAND, MI 48640 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 3, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3011 RIVER FOREST CT, KAWKAWLIN, MI 48631-9137 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000013035 |
|---|---|
| Date | Sep 23, 2019 |
| Instrument | 201913035 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 6, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3011 RIVER FOREST CT, KAWKAWLIN, MI 48631-9137 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000007563 |
|---|---|
| Date | Jun 10, 2020 |
| Instrument | 202007563 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 18, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3011 RIVER FOREST CT, KAWKAWLIN, MI 48631-9137 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000009135 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 202109135 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 12, 2021 |
| Property Address | 3011 RIVER FOREST CT, KAWKAWLIN, MI 48631-9137 |
| Document Number | 202113972 |
| Instrument Date | Jul 27, 2021 |
| Instrument | 202113972 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3011 RIVER FOREST CT, KAWKAWLIN, MI 48631-9137 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jan 11, 2018 |
| Property Address | 3011 RIVER FOREST CT, KAWKAWLIN, MI 48631-9137 |
| Document Number | 0000000425 |
| Instrument Date | Oct 18, 2017 |
| Instrument | 425 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2018 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $619.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3465 KIESEL RD #31 BAY CITY MI 487062459, 31, BAY CITY, MI 48706-2459 |
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Kawkawlin Township |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,054.00 (+59.48%) Homeowner's exemption | $225,400 (+2.45%) | $450,800 (+2.45%) |
| 2025 | $3,796.00 (-36.19%) Homeowner's exemption | $220,000 (+36.31%) | $440,000 (+36.31%) |
| 2023 | $161,400 | $322,800 | |
| 2022 | $5,949.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 33 policies |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 4 (2017–2018) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Apr 2018 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 83% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BANGOR-MONITOR METRO DISTRICT serves 2,971 people · EPA ID MI0000400 |
|---|---|
| Water Source | Purchased surface water from BAY AREA WATER SYSTEM |
| Last State Inspection | Mar 2024 |
| Lead | Under 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 77 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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