327 S Water St, Pinconning, MI 48650 Property Records

Bay County property record for 327 S Water St, Pinconning, MI 48650

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,271 sqft · built 1958
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on File
Last Sale	$82,680 (May 2017)
Tax Bill	$2,071 (2026)
Deeds & Mortgages	Nov 2021 Second Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`180-P10-005-007-00`

Property Details

APN / Parcel Number

Primary APN	`180-P10-005-007-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,271 sqft Living Area
1st Floor Area	1,271 sqft
Basement Area	1,271 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	425 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	327 S WATER ST
City	PINCONNING
State	MI
Zip	48650-9610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLK 5 THE PLUMMER ADD., L2/P58 BCR
Legal Subdivision	THE PLUMMER ADD
Legal Block	5
Legal Lot Number	7
Jurisdiction	BAY MI
Township / Civil Division	PINCONNING
Census Block Group	3
Census Block	3048
Census Tract	286300

Owner

327 S Water St is owned and occupied by an individual who bought it in May 2017.

Source: Bay County records, as of May 18, 2026

Owner of Record	Individual Name on File
Mailing Address	327 S WATER ST, PINCONNING, MI 48650-9610
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FINANCIALEDGE COMMUNITY CU
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN MUTUAL INC
May 5, 2017	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2017 · Amount on File
Deed Sale	May 5, 2017 · Amount on File
Deed Book / Page	3215 / 140
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	327 S WATER ST, PINCONNING, MI 48650-9610
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 S WATER ST, PINCONNING, MI 48650-9610

Mortgage

Document Number	0000019404
Date	Nov 17, 2021
Instrument	202119404

Lender

Name	FINANCIALEDGE COMMUNITY CU
Type	Credit Union
Address	BAY CITY, MI 48706

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2031

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	327 S WATER ST, PINCONNING, MI 48650-9610
Transaction Type	Mortgage
Record Updated	Jan 14, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 S WATER ST, PINCONNING, MI 48650-9610

Mortgage

Document Number	0000018015
Date	Oct 26, 2021
Instrument	202118015

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	May 5, 2017
Property Address	327 S WATER ST, PINCONNING, MI 48650-9610
Document Number	0032150140
Book / Page	3215 / 140
Map Reference	LB2 PG58
Instrument Date	May 3, 2017
Transaction Type	Transfer
Record Updated	Jul 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$713.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	327 S WATER ST, 327, PINCONNING, MI 48650-9610

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4280 N MICHIGAN AVE, SAGINAW, MI 48604-1647

Mortgage

Document Number	3215142
Date	May 5, 2017
Instrument	3215/142

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 327 S Water St was $2,071 with a homeowner's exemption, up 33.9% from the year before.

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	$2,071.00 (+33.87%) Homeowner's exemption	$58,500 (+11.01%)	$117,000 (+11.01%)
2025	$1,547.00 Homeowner's exemption	$52,700	$105,400
2023		$40,300	$80,600
2022	$1,812.00

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

FEMA maps place 327 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	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

Wildfire risk around 327 S Water St is low, with less than a 0.01% annual chance of 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

Nearby Properties on S Water St

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