3607 Kawkawlin River Dr, Bay City, MI 48706 Property Records

Bay County property record for 3607 Kawkawlin River Dr, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,156 sqft · built 1940
Lot Size	0.88 acres (38,333 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Aug 2021)
Tax Bill	$3,582 (2026)
Deeds & Mortgages	Nov 2023 Second Mortgage Apr 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-005-300-105-00`

Property Details

APN / Parcel Number

Primary APN	`010-005-300-105-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,156 sqft Living Area
1st Floor Area	1,156 sqft
Basement Area	360 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Lot Area	38,333 sqft (0.88 acres)
Lot Dimensions	374 ft deep x 98 ft wide
Garage Area	1,536 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3607 KAWKAWLIN RIVER DR
City	BAY CITY
State	MI
Zip	48706-1773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COM N 4930' E 555 FT FROM A PT 1663 FT N & 790 FT E OF SW COR OF SEC 5 T14N R5E TH N 3800' W 385 FT TO S BANK OF KAWKAWLIN
Legal Range	05E
Legal Township	14N
Legal Section	05
Legal Lot Number	5
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	3
Census Block	3001
Census Tract	285900

Owner

3607 Kawkawlin River Dr is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3607 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
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
Nov 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FINANCIAL PLUS CU
Apr 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PLUS CREDIT UNION
Aug 20, 2021	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Aug 20, 2021	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Feb 7, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2021 · Amount on File
Deed Sale	Aug 20, 2021 · Amount on File
Prior Sale	Nov 16, 2005 · Amount on File
Deed Document Number	202114414
Prior Transfer Date	Mar 16, 2011
Prior Transfer Doc	0000001702
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3607 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Transaction Type	Mortgage
Record Updated	May 18, 2026
Title Company	MID-STATE TITLE SERVICES INC, MID STATE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3607 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773

Mortgage

Document Number	0000012991
Date	Nov 27, 2023
Instrument	202312991

Lender

Name	FINANCIAL PLUS CU
Type	Credit Union
Address	FLINT, MI 48507

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2038

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Recording Date	Apr 27, 2026
Property Address	3607 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Document Number	0000005831
Instrument Date	Apr 22, 2026
Instrument	20265831
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STATE TITLE SERVICES, MID STATE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005831,
Date	Apr 27, 2026
Instrument	20265831

Lender

Name	FINANCIAL PLUS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.75%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Aug 20, 2021
Property Address	3607 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Document Number	202114414
Instrument Date	Jul 28, 2021
Instrument	202114414
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	SAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,634.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2865 BOY SCOUT RD, 2865, BAY CITY, MI 48706-1258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5201 OAKRIDGE DR, BEAVERTON, MI 48612-8592

Mortgage

Document Number	202114415
Date	Aug 20, 2021
Instrument	202114415

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

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

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Aug 20, 2021
Property Address	3607 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Document Number	0000014414
Instrument Date	Jul 28, 2021
Instrument	202114414
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	SAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,634.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2865 BOY SCOUT RD, BAY CITY, MI 48706-1258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5201 OAKRIDGE DR, BEAVERTON, MI 48612-8592

Mortgage

Document Number	0000014415
Date	Aug 20, 2021
Instrument	202114415

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

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

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Feb 7, 2020
Property Address	3607 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Document Number	0000001702
Instrument Date	Mar 16, 2011
Instrument	1702
Transaction Type	Transfer
Record Updated	Jun 23, 2020
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	Personal Trust
Address	3607 KAWKAWLIN RIVER DR BAY CITY MI 487061773, BAY CITY, MI 48706-1773

Tax Assessment & Valuation

The 2026 property tax bill for 3607 Kawkawlin River Dr was $3,582 with a homeowner's exemption, up 77.5% 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	$3,582.00 (+77.5%) Homeowner's exemption	$151,900 (+27.06%)	$303,800 (+27.06%)
2025	$2,018.00 Homeowner's exemption	$119,550	$239,100
2023		$93,400	$186,800
2022	$2,969.00

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 3607 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 3607 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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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