Bay County property record for 3527 Kawkawlin River Dr, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,968 sqft · built 1972 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,153 (2026) |
| Deeds & Mortgages | May 2023 Mortgage Dec 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-005-300-145-00 |
| Primary APN | 010-005-300-145-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,968 sqft Living Area |
| 1st Floor Area | 1,408 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Lot Area | 29,185 sqft (0.67 acres) |
| Lot Dimensions | 232 ft deep x 118 ft wide |
| Garage Area | 1,856 sqft |
| Parking Spaces | 7 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3527 KAWKAWLIN RIVER DR |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-1756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | COM AT W 1/4 COR OF SEC TH S 1040.2 FT TH N 86D 40M E 295.6 FT TO POB TH N 86D 40M E 120 FT TH N 6D 15M W 261 FT TH S 66D 07M |
| Legal Lot Number | 5 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 285900 |
3527 Kawkawlin River Dr is owned and occupied by two individuals who acquired it in December 2022.
Source: Bay County records, as of May 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3527 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1756 |
| 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.
| Date | Document |
|---|---|
| May 31, 2023 | Deed of Trust, Mortgage · Conventional Mortgage UNITED BAY COMMUNITY CU |
| Dec 29, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 29, 2022 |
| Transfer Doc | 0000017337 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3527 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1756 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3527 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1756 |
| Investor | Possibly a Property Investor |
| Document Number | 0000006353 |
|---|---|
| Date | May 31, 2023 |
| Instrument | 202306353 |
| Name | UNITED BAY COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | BAY CITY, MI 48708 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Dec 29, 2022 |
| Property Address | 3527 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1756 |
| Document Number | 0000017337 |
| Instrument Date | Dec 21, 2022 |
| Instrument | 202217337 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3527 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1756 |
The 2026 property tax bill for 3527 Kawkawlin River Dr was $4,153 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Bangor Charter Township |
| Unified School District | Bangor Township Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,153.00 Homeowner's exemption | $233,950 | $467,900 |
| 2023 | $138,100 | $276,200 | |
| 2022 | $3,444.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3527 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 |
|
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 risk around 3527 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.
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 |
| 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.
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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