3597 Kawkawlin River Dr, Bay City, MI 48706 Property Records

Bay County property record for 3597 Kawkawlin River Dr, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 916 sqft · built 1940
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on File
Last Sale	$158,000 (Mar 2018)
Tax Bill	$3,458 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-005-300-110-00`

Property Details

APN / Parcel Number

Primary APN	`010-005-300-110-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	916 sqft Living Area
1st Floor Area	916 sqft
Basement Area	884 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Lot Area	38,333 sqft (0.88 acres)
Lot Dimensions	385 ft deep x 100 ft wide
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3597 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	BEG AT A PT LOCATED N 49D 30M E 455 FT FROM A PT 1663 FT N & 790 FT E OF SW COR SEC 5, TH N 38D W 385 FT TO S BANK OF
Legal Lot Number	5
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	3
Census Block	3001
Census Tract	285900

Owner

3597 Kawkawlin River Dr is owned and occupied by two individuals who bought it in March 2018.

Source: Bay County records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3597 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
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 23, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2018 · Amount on File
Deed Sale	Mar 23, 2018 · Amount on File
Prior Sale	Jul 10, 2006 · Amount on File
Deed Document Number	20183395
Prior Transfer Date	Nov 11, 1998
Prior Transfer Doc	1599000134
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3597 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1755
Document Number	0000012764
Instrument Date	Sep 8, 2020
Transaction Type	Mortgage
Record Updated	Feb 8, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3597 KAWKAWLIN RIVER DR BAY CITY MI 487061755, BAY CITY, MI 48706-1755

Mortgage

Document Number	0000012764
Date	Sep 14, 2020
Instrument	12764

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 13, 2035

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Mar 23, 2018
Property Address	3597 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1755
Document Number	0000003395
Instrument Date	Mar 9, 2018
Instrument	3395
Transaction Type	Transfer
Record Updated	Apr 16, 2018
Title Company	MBS TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,358.80
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	1825 GARDENIA AVE ROYAL OAK MI 480672131, ROYAL OAK, MI 48067-2131

Mortgage

Document Number	3396
Date	Mar 23, 2018
Instrument	3396

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 22, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 3597 Kawkawlin River Dr was $3,458 with a homeowner's exemption, up 78.2% 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	$3,458.00 (+78.16%) Homeowner's exemption	$144,700 (+25.99%)	$289,400 (+25.99%)
2025	$1,941.00 Homeowner's exemption	$114,850	$229,700
2023		$89,500	$179,000
2022	$2,865.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3597 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 3597 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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