3561 Kawkawlin River Dr, Bay City, MI 48706 Property Records

Bay County property record for 3561 Kawkawlin River Dr, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,492 sqft · built 1961
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Mar 2026)
Tax Bill	$2,686 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jan 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-005-300-125-00`

Property Details

APN / Parcel Number

Primary APN	`010-005-300-125-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,492 sqft Living Area
1st Floor Area	1,492 sqft
Basement Area	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	196 ft deep x 83.8 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	3561 KAWKAWLIN RIVER DR
City	BAY CITY
State	MI
Zip	48706-1755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COM SW COR SEC. 5 TH N 4D 37M E 1515.82 FT TH E 731.95 FT TH N 48D 43M E 100 FT TH N 14D 26M W 69.45 FT TO POB TH N 48D 51M E
Legal Range	05E
Legal Township	14N
Legal Section	05
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	3
Census Block	3001
Census Tract	285900

Owner

3561 Kawkawlin River Dr is owned and occupied by two individuals who bought it in March 2026.

Source: Bay County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3561 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1755
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
Mar 6, 2026	Fiduciary Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jan 31, 2020	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BK
Jan 31, 2014	Loan Modification, Mortgage · Conventional Mortgage INDEPENDENT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2026 · Amount on File
Deed Sale	Mar 6, 2026 · Amount on File
Prior Sale	Nov 5, 1993
Deed Document Number	20262484
Prior Transfer Date	Nov 6, 2012
Prior Transfer Doc	0029170061
Record Updated	Oct 29, 2026

March 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	BAY MI
Recording Date	Mar 6, 2026
Property Address	3561 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1755
Document Number	0000002484
Instrument Date	Mar 5, 2026
Instrument	202602484
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3215 BEAVER RD, BAY CITY, MI 48706-8116

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3561 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1755

Mortgage

Document Number	0000002485
Date	Mar 6, 2026
Instrument	202602485

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3561 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1755
Document Number	0000001581
Instrument Date	Jan 31, 2020
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3561 KAWKAWLIN RIVER DR BAY CITY MI 487061755, BAY CITY, MI 48706-1755

Mortgage

Document Number	0000001581
Date	Feb 5, 2020
Instrument	1581

Lender

Name	INDEPENDENT BK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2014: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY MI
Property Address	3561 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1755
Document Number	0000012420
Instrument Date	Jan 31, 2014
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3561 KAWKAWLIN RIVER DR BAY CITY MI 487061755, BAY CITY, MI 48706-1755
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012420
Date	Sep 10, 2018
Instrument	12420

Lender

Name	INDEPENDENT BK
Type	Bank
Address	BAY CITY, MI 48708

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3561 Kawkawlin River Dr was $2,686 with a homeowner's exemption, up 77.1% 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	$2,686.00 (+77.06%) Homeowner's exemption	$99,850 (+6.05%)	$199,700 (+6.05%)
2025	$1,517.00 Homeowner's exemption	$94,150	$188,300
2023		$77,450	$154,900
2022	$2,216.00

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 3561 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 3561 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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