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3615 Kawkawlin River Dr, Bay City, MI 48706 Property Records

Bay County property record for 3615 Kawkawlin River Dr, Bay City, MI 48706

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,631 sqft · built 1931
Lot Size0.84 acres (36,590 sqft)
OwnerIndividual Name on File
Last Sale$280,000 (Sep 2020)
Tax Bill$4,879 (2026)
Deeds & MortgagesSep 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN010-005-300-100-00

Property Details

APN / Parcel Number

Primary APN010-005-300-100-00

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,631 sqft Living Area
1st Floor Area1,295 sqft
Basement Area1,120 sqft

Exterior

Year BuiltBuilt 1931
Effective Year BuiltEffective 1931
Lot Area36,590 sqft (0.84 acres)
Lot Dimensions367 ft deep x 100 ft wide
Garage Area1,920 sqft
Parking Spaces7 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address3615 KAWKAWLIN RIVER DR
CityBAY CITY
StateMI
Zip48706-1773
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1
Legal DescriptionCOM AT SW COR OF SEC TH N 1663 FT TH S 88D 35M E 782.58 FT TH N 48D 46M E 652.19 FT TO POB TH N 39D 36M W 369.88 FT TH N 51D
Legal Lot Number5
JurisdictionBAY MI
Township / Civil DivisionBANGOR
Census Block Group3
Census Block3001
Census Tract285900

Owner

3615 Kawkawlin River Dr is owned and occupied by an individual who bought it in September 2020.

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

Owner of RecordIndividual Name on File
Mailing Address3615 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 4, 2020 · Amount on File
Deed SaleSep 4, 2020 · Amount on File
Prior SaleJun 21, 2011 · Amount on File
Deed Document Number202012373
Prior Transfer DateMay 16, 2011
Prior Transfer Doc0028030549
Record UpdatedOct 29, 2026

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY MI
Recording DateSep 4, 2020
Property Address3615 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Document Number0000012373
Instrument DateSep 3, 2020
Instrument12373
Transaction TypeTransfer
Record UpdatedFeb 4, 2021
Title CompanyNOT AVAILABLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,408.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3795 WHEELER RD BAY CITY MI 487061713, BAY CITY, MI 48706-1713

Mortgage

Document Number12374
DateSep 4, 2020
Instrument12374
Lender
NameENVOY MTG
TypeMortgage Company
AddressHOUSTON, TX 77043
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueSep 3, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3615 Kawkawlin River Dr was $4,879 with a homeowner's exemption.

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyBay County
County SubdivisionBangor Charter Township
Unified School DistrictBangor Township Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,879.00 Homeowner's exemption$233,500$467,000
2023$135,250$270,500
2022$4,048.00

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 3615 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 13 policies
Nearby Flood Policies13 in force
Nearby Flood Claims11 (1979–2017)
Claims Outside the SFHA5 of 11
Most Recent ClaimJun 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 3615 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 RiskLow
lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCITY OF BAY CITY
serves 32,255 people · EPA ID MI0000470
Water SourcePurchased surface water from BAY AREA WATER SYSTEM
Last State InspectionNov 2025
Lead8 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jan 2024
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Starlink
Satellite		280 / 30

May also be available: AT&T.

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