326 W 3rd St, Pinconning, MI 48650 Property Records

Bay County property record for 326 W 3rd St, Pinconning, MI 48650

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,288 sqft · built 1990
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Apr 2022)
Tax Bill	$3,079 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`180-P10-002-001-00`

Property Details

APN / Parcel Number

Primary APN	`180-P10-002-001-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Basement Area	1,288 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Area	740 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	326 W 3RD ST
City	PINCONNING
State	MI
Zip	48650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 & 2, BLK 2. THE PLUMMER ADD, L2/P58 BCR
Legal Subdivision	THE PLUMMER ADD
Legal Lot Number	1-2
Jurisdiction	BAY MI
Township / Civil Division	PINCONNING
Census Block Group	3
Census Block	3045
Census Tract	286300

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	Individual Name on Record
Mailing Address	232 S PLANK RD, TAWAS CITY, MI 48763-9678
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2022 · Amount on Record
Deed Sale	Apr 27, 2022 · Amount on Record
Prior Sale	Feb 16, 2016 · Amount on Record
Deed Document Number	20226858
Prior Transfer Date	Aug 16, 2012
Prior Transfer Doc	0028990129
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Apr 27, 2022
Property Address	326 W 3RD ST, PINCONNING, MI 48650-9600
Document Number	0000006858
Map Reference	LB 2 PG 58
Instrument Date	Apr 25, 2022
Instrument	202206858
Transaction Type	Transfer
Record Updated	May 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$862.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 S UNIVERSITY AVE, MOUNT PLEASANT, MI 48858-3148

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 S PLANK RD, TAWAS CITY, MI 48763-9678

Mortgage

Document Number	0000006859
Date	Apr 27, 2022
Instrument	202206859

Lender

Name	KAYE FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
Municipality	Pinconning City
Unified School District	Pinconning Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,079.00 (+36.36%) Homeowner's exemption	$76,100 (+9.81%)	$152,200 (+9.81%)
2025	$2,258.00 (-6.5%) Homeowner's exemption	$69,300 (+25.77%)	$138,600 (+25.77%)
2023		$55,100	$110,200
2022	$2,415.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Severe Storms And Flooding, Jun 2017 · 2 claims Severe Storms & Flooding, Oct 1986 · 4 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 99.1% of the US · lower than 98.4% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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