3526 Kawkawlin River Dr, Bay City, MI 48706 Property Records

Bay County property record for 3526 Kawkawlin River Dr, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,007 sqft · built 1940
Lot Size	1.57 acres (68,389 sqft)
Owner	2 Individual Names on File
Last Sale	$253,000 (Jul 2025)
Tax Bill	$1,832 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2025 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010-005-300-005-01`

Property Details

APN / Parcel Number

Primary APN	`010-005-300-005-01`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	2,007 sqft Living Area
1st Floor Area	2,007 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Lot Area	68,389 sqft (1.57 acres)
Lot Dimensions	303 ft deep x 226 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3526 KAWKAWLIN RIVER DR
City	BAY CITY
State	MI
Zip	48706-1728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-1
Legal Description	COM 1234 FT N OF SW COR OF SEC TH E 155 FT TO POB TH E 226 FT TH N 303 FT TH W 226 FT TH S 303 FT TO BEG. SEC.5,T14N,R5E
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	3
Census Block	3004
Census Tract	285900

Owner

3526 Kawkawlin River Dr is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3526 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1728
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 20, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 17, 2025	Warranty Deed, Transfer DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY
Jul 18, 2025	Quit Claim Deed, Transfer DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY
Dec 2, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 21, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Jun 11, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2025 · Amount on File
Deed Sale	Jul 17, 2025 · Amount on File
Prior Sale	Nov 21, 2019 · Amount on File
Deed Document Number	20258863
Prior Transfer Date	Nov 19, 2019
Prior Transfer Doc	201916239
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3526 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1728
Transaction Type	Mortgage
Record Updated	May 18, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3526 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1728

Mortgage

Document Number	0000017817
Date	Oct 20, 2021
Instrument	202117817

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jul 17, 2025
Property Address	3526 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1728
Document Number	0000008863
Instrument Date	Jul 16, 2025
Instrument	202508863
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount on Record
Tax	$1,897.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3526 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1728

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	212 N MCLELLAN ST, BAY CITY, MI 48708-6782

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Jul 18, 2025
Property Address	3526 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1728
Document Number	0000008923
Instrument Date	Jul 16, 2025
Instrument	202508923
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3526 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1728

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3526 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1728

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Dec 2, 2019
Property Address	3526 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1728
Document Number	0000016239
Instrument Date	Nov 19, 2019
Instrument	16239
Transaction Type	Transfer
Record Updated	Jan 27, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3526 KAWKAWLIN RIVER DR BAY CITY MI 487061728, BAY CITY, MI 48706-1728

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Nov 21, 2019
Property Address	3526 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1728
Document Number	0000015765
Instrument Date	Nov 15, 2019
Instrument	15765
Transaction Type	Transfer
Record Updated	Jan 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,161.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4291 ZANDER DR BAY CITY MI 487062247, BAY CITY, MI 48706-2247

Mortgage

Document Number	15766
Date	Nov 21, 2019
Instrument	15766

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Jun 11, 2019
Property Address	3526 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1728
Document Number	0000008295
Instrument Date	Nov 17, 2008
Instrument	8295
Transaction Type	Transfer
Record Updated	Jul 12, 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	3526 KAWKAWLIN RIVER DR BAY CITY MI 487061728, BAY CITY, MI 48706-1728

Tax Assessment & Valuation

The 2026 property tax bill for 3526 Kawkawlin River Dr was $1,832 with a homeowner's exemption, up 1% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Bangor Charter Township
Unified School District	Bangor Township Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,832.00 (+1.05%) Homeowner's exemption	$117,200 (+2.22%)	$234,400 (+2.22%)
2025	$1,813.00 Homeowner's exemption	$114,650	$229,300
2023		$89,200	$178,400
2022	$2,611.00

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 3526 Kawkawlin River Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	11 (1979–2017)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Jun 2017 · Severe Storms And Flooding
Claims by Event	Severe Storms & Flooding, Oct 1986 · 5 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 3526 Kawkawlin River Dr 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 BAY CITY serves 32,255 people · EPA ID MI0000470
Water Source	Purchased surface water from BAY AREA WATER SYSTEM
Last State Inspection	Nov 2025
Lead	8 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2024
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 225 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T.

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