312 Chip Rd, Auburn, MI 48611 Property Records

Bay County property record for 312 Chip Rd, Auburn, MI 48611

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,336 sqft · built 1979
Lot Size	2.35 acres (102,366 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (May 2026)
Tax Bill	$3,156 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Sep 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`140-001-100-030-02`

Property Details

APN / Parcel Number

Primary APN	`140-001-100-030-02`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,336 sqft Living Area
1st Floor Area	1,168 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Bi-Level
Lot Area	102,366 sqft (2.35 acres)
Lot Dimensions	417 ft deep x 228 ft wide
Garage Area	1,392 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	312 CHIP RD
City	AUBURN
State	MI
Zip	48611-9741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE
Legal Description	COM 1992.94 FT E OF W 1/4 COR OF SEC TH N 449.96 FT TH E 228 FT TH S 449.96 FT TH W 228 FT TO BEG. SEC.1,T14N,R3E 9-17-79
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 27, 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	1220 N CHILSON ST, BAY CITY, MI 48706-3535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Sep 4, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 4, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2026 · Amount on Record
Deed Sale	May 12, 2026 · Amount on Record
Deed Document Number	20266562
Prior Transfer Date	Aug 31, 2019
Prior Transfer Doc	201912266
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	May 12, 2026
Property Address	312 CHIP RD, AUBURN, MI 48611-9741
Document Number	0000006562
Instrument Date	May 11, 2026
Instrument	2026.6562
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$246,187.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 N CHILSON ST, BAY CITY, MI 48706-3535

Mortgage

Document Number	0000006563,
Date	May 12, 2026
Instrument	2026..6563

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Sep 4, 2019
Property Address	312 CHIP RD, AUBURN, MI 48611-9741
Document Number	0000012266
Instrument Date	Aug 31, 2019
Instrument	12266
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	312 CHIP RD AUBURN MI 486119741, AUBURN, MI 48611-9741

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Sep 4, 2019
Property Address	312 CHIP RD, AUBURN, MI 48611-9741
Document Number	0000012267
Instrument Date	Aug 31, 2019
Instrument	12267
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	312 CHIP RD AUBURN MI 486119741, AUBURN, MI 48611-9741

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	$3,156.00 (+87.19%) Homeowner's exemption	$112,150 (+5.6%)	$224,300 (+5.6%)
2025	$1,686.00 (-39.44%) Homeowner's exemption	$106,200 (+16%)	$212,400 (+16%)
2023		$91,550	$183,100
2022	$2,784.00

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 · 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

Nearby Properties on Chip Rd

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