3565 Kawkawlin River Dr, Bay City, MI 48706 Property Records

Bay County property record for 3565 Kawkawlin River Dr, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,480 sqft · built 1934
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Jun 2021)
Tax Bill	$4,990 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-005-300-120-00`

Property Details

APN / Parcel Number

Primary APN	`010-005-300-120-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,480 sqft Living Area
1st Floor Area	1,038 sqft
Basement Area	1,038 sqft

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	557 ft deep x 101 ft wide
Garage Area	1,295 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3565 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 TH N 48D 51M E 83.76
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

3565 Kawkawlin River Dr is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3565 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1755
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
Jun 7, 2021	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK
Jun 7, 2021	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK
May 11, 2018	Deed of Trust, Mortgage · Line of Credit FIRST ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2021 · Amount on File
Deed Sale	Jun 7, 2021 · Amount on File
Prior Sale	Dec 8, 2009 · Amount on File
Deed Document Number	202110202
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jun 7, 2021
Property Address	3565 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1755
Document Number	0000010202
Instrument Date	May 26, 2021
Instrument	202110202
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	HOMELAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,096.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3299 HIDDEN RD, BAY CITY, MI 48706-1208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4300 WHEELER RD, BAY CITY, MI 48706-1836

Mortgage

Document Number	0000010203
Date	Jun 7, 2021
Instrument	202110203

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jun 7, 2021
Property Address	3565 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1755
Document Number	202110202
Instrument Date	May 26, 2021
Instrument	202110202
Transaction Type	Transfer
Record Updated	Jul 16, 2021
Title Company	HOMELAND TITLE, HOMELAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,096.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3299 HIDDEN RD, 3299, BAY CITY, MI 48706-1208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4300 WHEELER RD, BAY CITY, MI 48706-1836

Mortgage

Document Number	202110203
Date	Jun 7, 2021
Instrument	202110203

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3565 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1755
Document Number	0000007054
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Oct 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3565 KAWKAWLIN RIVER DR BAY CITY MI 487061755, BAY CITY, MI 48706-1755

Mortgage

Document Number	0000007054
Date	May 15, 2018
Instrument	7054

Lender

Name	FIRST ST BK
Type	Bank
Address	SAGINAW, MI 48605

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3565 Kawkawlin River Dr was $4,990 with a homeowner's exemption.

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	$4,990.00 Homeowner's exemption	$233,500	$467,000
2023		$136,400	$272,800
2022	$4,140.00

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 3565 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 3565 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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