3623 Kawkawlin River Dr, Bay City, MI 48706 Property Records

Bay County property record for 3623 Kawkawlin River Dr, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,684 sqft · built 1992
Lot Size	0.84 acres (36,590 sqft)
Owner	Individual Name on File
Last Sale	$329,000 (Jul 2005)
Tax Bill	$5,772 (2026)
Deeds & Mortgages	Nov 2024 Mortgage Mar 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-005-300-095-00`

Property Details

APN / Parcel Number

Primary APN	`010-005-300-095-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,684 sqft Living Area
1st Floor Area	1,894 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	36,590 sqft (0.84 acres)
Lot Dimensions	361 ft deep x 101 ft wide
Garage Area	2,930 sqft
Parking Spaces	10 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	3623 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 AT SW COR OF SEC TH N 1663 FT TH S 88D 35M E 782.58 FT TH N 48D 46M E 752.19 FT TO POB TH N 39D 36M W 364.64 FT TH N 51D
Legal Subdivision	ELMER O KUERBITZ SUBDIVISION
Legal Lot Number	5
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	3
Census Block	3001
Census Tract	285900

Owner

3623 Kawkawlin River Dr is owned and occupied by an individual who acquired it in July 2013.

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

Owner of Record	Individual Name on File
Mailing Address	3623 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 19, 2024	Deed of Trust, Mortgage · Conventional Mortgage FINANCIALEDGE COMMUNITY CU
Mar 2, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FINANCIALEDGE COMMUNITY CU
Dec 11, 2020	Deed of Trust, Mortgage FINANCIALEDGE CMNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2005 · Amount on File
Deed Sale	Jul 1, 2005 · Amount on File
Prior Sale	Dec 7, 1999
Deed Book / Page	2342 / 533
Last Transfer Date	Jul 26, 2013
Transfer Doc	0029820171
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3623 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3623 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773

Mortgage

Document Number	0000013521
Date	Nov 19, 2024
Instrument	202413521

Lender

Name	FINANCIALEDGE COMMUNITY CU
Type	Credit Union
Address	BAY CITY, MI 48706

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2054

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3623 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3623 KAWKAWIIN RIVER DR, BAY CITY, MI 48706

Mortgage

Document Number	0000003089
Date	Mar 2, 2022
Instrument	202203089

Lender

Name	FINANCIALEDGE COMMUNITY CU
Type	Credit Union
Address	BAY CITY, MI 48706

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2032

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3623 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Document Number	0000018533
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 18, 2021
Title Company	CISLO TITLE, CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3623 KAWKAWLIN RIVER DR BAY CITY MI 487061773, BAY CITY, MI 48706-1773

Mortgage

Document Number	0000018533
Date	Dec 23, 2020
Instrument	18533

Lender

Name	FINANCIALEDGE CMNTY CU
Type	Credit Union
Address	BAY CITY, MI 48706

Agreement

Amount	Amount on Record
Term	180 Months
Due	Dec 22, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 3623 Kawkawlin River Dr was $5,772 with a homeowner's exemption.

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	$5,772.00 Homeowner's exemption	$354,550	$709,100
2023		$199,000	$398,000
2022	$4,790.00

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

Flood

FEMA maps place 3623 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 3623 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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