3590 Kawkawlin River Dr, Bay City, MI 48706 Property Records

Bay County property record for 3590 Kawkawlin River Dr, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1970
Lot Size	0.83 acres (36,155 sqft)
Owner	Individual Name on File
Last Sale	$154,200 (Jul 2019)
Tax Bill	$2,517 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-005-300-030-00`

Property Details

APN / Parcel Number

Primary APN	`010-005-300-030-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Lot Area	36,155 sqft (0.83 acres)
Lot Dimensions	290 ft deep x 125 ft wide
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3590 KAWKAWLIN RIVER DR
City	BAY CITY
State	MI
Zip	48706-1730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COM AT SW COR OF SEC TH N ALG W SEC LI 1056 FT TH E 775.68 FT TH N 478.44 FT TH N 49D 30M E 101.82 FT TH N 48D 43M E 275 FT
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	3
Census Block	3004
Census Tract	285900

Owner

3590 Kawkawlin River Dr is owned and occupied by an individual who bought it in July 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3590 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1730
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
Oct 15, 2020	Deed of Trust, Mortgage JP MORGAN CHASE BK
Jul 12, 2019	Warranty Deed, Transfer · Conventional with PMI JP MORGAN CHASE BK
Jul 12, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 3, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2019 · Amount on File
Deed Sale	Jul 12, 2019 · Amount on File
Prior Sale	Jul 13, 2001 · Amount on File
Deed Document Number	20199741
Prior Transfer Date	Jul 3, 2019
Prior Transfer Doc	0000009740
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3590 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1730
Document Number	0000014846
Instrument Date	Oct 15, 2020
Transaction Type	Mortgage
Record Updated	Jan 18, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3590 KAWKAWLIN RIVER DR BAY CITY MI 487061730, BAY CITY, MI 48706-1730

Mortgage

Document Number	0000014846
Date	Oct 20, 2020
Instrument	14846

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 19, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jul 12, 2019
Property Address	3590 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1730
Document Number	0000009741
Instrument Date	Jul 9, 2019
Instrument	9741
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,326.12
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	599 W WIXOM RD SANFORD MI 486579513, SANFORD, MI 48657-9513

Mortgage

Document Number	9742
Date	Jul 12, 2019
Instrument	9742

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2049

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Jul 12, 2019
Property Address	3590 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1730
Document Number	0000009740
Instrument Date	Jul 8, 2019
Instrument	9740
Transaction Type	Transfer
Record Updated	Nov 1, 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	Husband and Wife
Address	1575 7 MILE RD KAWKAWLIN MI 486319777, KAWKAWLIN, MI 48631-9777

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Jan 3, 2017
Property Address	3590 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1730
Document Number	0031930284
Book / Page	003193 / 000284
Instrument Date	Dec 19, 2016
Transaction Type	Transfer
Record Updated	Jan 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3590 KAWKAWLIN RIVER DR BAY CITY MI 487061730, BAY CITY, MI 48706-1730

Tax Assessment & Valuation

The 2026 property tax bill for 3590 Kawkawlin River Dr was $2,517 with a homeowner's exemption, up 78.4% 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	$2,517.00 (+78.38%) Homeowner's exemption	$87,500 (+4.1%)	$175,000 (+4.1%)
2025	$1,411.00 Homeowner's exemption	$84,050	$168,100
2023		$67,050	$134,100
2022	$2,075.00

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 3590 Kawkawlin River Dr in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.

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
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 3590 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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