358 Bowker Rd, Munger, MI 48747 Property Records

Bay County property record for 358 Bowker Rd, Munger, MI 48747 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 900 sqft · built 1954
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jan 2023)
Tax Bill	$1,945 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`070-062-200-010-01`

Property Details

APN / Parcel Number

Primary APN	`070-062-200-010-01`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	900 sqft Total Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Lot Area	22,216 sqft (0.51 acres)
Lot Dimensions	1,670 ft deep x 112 ft wide

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	358 BOWKER RD
City	MUNGER
State	MI
Zip	48747-9727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG ON N-S 1/4 LN S 0D 20M 14S E 1318.12 FT FROM N 1/4 COR SEC 35, TH ALG N 1/8 LN N 89D 56M 56S E 200 FT, TH S 0D 20M 14S E
Jurisdiction	BAY MI
Township / Civil Division	HAMPTON
Census Block Group	1
Census Block	1029
Census Tract	285201

Owner

Source: Bay County records · APN 070-062-200-010-01

Assessment roll updated May 18, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	7820 HERITAGE DR, 8, LANSING, MI 48917-6809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2023	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU
Aug 12, 2022	Quit Claim Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 28, 2017	Warranty Deed, Transfer · Conventional with PMI WILDFIRE CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 24, 2023 · Amount on Record
Deed Sale	Jan 24, 2023 · Amount on Record
Prior Sale	Aug 28, 2017 · Amount on Record
Deed Document Number	2023882
Record Updated	Jun 08, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jan 24, 2023
Property Address	358 BOWKER RD, MUNGER, MI 48747-9727
Document Number	0000000882
Instrument Date	Jan 23, 2023
Instrument	202300882
Transaction Type	Transfer
Record Updated	Jul 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	358 BOWKER RD, MUNGER, MI 48747-9727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7820 HERITAGE DR APT 8, 8, LANSING, MI 48917-6809

Mortgage

Document Number	0000000883
Date	Jan 24, 2023
Instrument	202300883

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2053

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Aug 12, 2022
Property Address	358 BOWKER RD, MUNGER, MI 48747-9727
Document Number	0000011645
Instrument Date	Aug 09, 2022
Instrument	202211645
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	CROSSROADS TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	358 BOWKER RD, 358, MUNGER, MI 48747-9727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	356 BOWKER RD, MUNGER, MI 48747-9727

Mortgage

Document Number	0000011647
Date	Aug 12, 2022
Instrument	202211647

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 01, 2052

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Aug 28, 2017
Property Address	358 BOWKER RD, MUNGER, MI 48747-9727
Document Number	0032350452
Book / Page	003235 / 000452
Instrument Date	Aug 25, 2017
Transaction Type	Transfer
Record Updated	May 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$344.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1811 NEBOBISH AVE ESSEXVILLE MI 487321534, ESSEXVILLE, MI 48732-1534

Mortgage

Document Number	32350454
Date	Aug 28, 2017
Book Page	003235/000454

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605-3285

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Aug 27, 2037

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated May 18, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Hampton Charter Township
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,945.00 (+78.44%) Homeowner's exemption	$47,500 (+15.29%)	$95,000 (+15.29%)
2023		$41,200 (+23.35%)	$82,400 (+23.35%)
2022	$1,090.00 Homeowner's exemption	$33,400	$66,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (26017C), updated February 17, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260172852011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	584.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 13 individual NFIP policies nearby
Nearby Flood Policies	13 in force
Nearby Flood Claims	8 (1994–2023)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Dec 2023, rainfall accumulation
Claims By Storm	Severe Storms And Flooding, Jun 2017 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 4 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	25 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Air Advantage. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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