3624 Kawkawlin River Dr, Bay City, MI 48706 Property Records

Bay County property record for 3624 Kawkawlin River Dr, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,031 sqft · built 1955
Lot Size	1.19 acres (51,836 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Aug 2024)
Tax Bill	$5,017 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Jan 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010-005-300-055-00`

Property Details

APN / Parcel Number

Primary APN	`010-005-300-055-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	2,031 sqft Living Area
1st Floor Area	1,938 sqft
Basement Area	1,303 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Lot Area	51,836 sqft (1.19 acres)
Lot Dimensions	300 ft deep x 145 ft wide
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3624 KAWKAWLIN RIVER DR
City	BAY CITY
State	MI
Zip	48706-1771
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COM 850 FT N 48D 30M E OF PT 1537 FT N & 741.5 FT E OF SW COR OF SEC TH S 30D 30M E 300 FT TH N 48D 34M E 199.44 FT TH N 39D
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	3
Census Block	3004
Census Tract	285900

Owner

3624 Kawkawlin River Dr is owned and occupied by two individuals who bought it in August 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	2063 JANES AVE NE, GRAND RAPIDS, MI 49505-6226
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 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage FINANCIALEDGE COMMUNITY CU
Jan 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage OLD NATIONAL BANK
Oct 11, 2024	Deed, Transfer
Aug 27, 2024	Warranty Deed, Transfer CROSSROADS TITLE AGENCY
Jan 6, 2021	Deed of Trust, Mortgage · Conventional with PMI ACADEMY MTG
Aug 3, 2018	Warranty Deed, Transfer · Conventional with PMI ACADEMY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2024 · Amount on File
Deed Sale	Aug 28, 2024 · Amount on File
Prior Sale	Aug 3, 2018 · Amount on File
Deed Document Number	202410173
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3624 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3624 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771

Mortgage

Document Number	0000012576
Date	Sep 1, 2022
Instrument	202212576

Lender

Name	FINANCIALEDGE COMMUNITY CU
Type	Credit Union
Address	4876

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2032

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3624 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3624 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771

Mortgage

Document Number	0000000562
Date	Jan 16, 2025
Instrument	202500562

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	EVANSVILLE, IN 47708

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

October 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BAY MI
Recording Date	Oct 11, 2024
Property Address	3624 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771
Document Number	0000011870
Instrument Date	Oct 3, 2024
Instrument	202411870
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3624 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4275 REGAN RD, BAY CITY, MI 48706-2225

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Aug 27, 2024
Property Address	3624 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771
Document Number	0000010173
Instrument Date	Aug 22, 2024
Instrument	202410173
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	CROSSROADS TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$2,137.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3624 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2063 JANES AVE NE, GRAND RAPIDS, MI 49505-6226

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3624 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771
Document Number	0000000744
Instrument Date	Jan 6, 2021
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3624 KAWKAWLIN RIVER DR BAY CITY MI 487061771, BAY CITY, MI 48706-1771

Mortgage

Document Number	0000000744
Date	Jan 14, 2021
Instrument	744

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 13, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Aug 3, 2018
Property Address	3624 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771
Document Number	0000010688
Instrument Date	Jul 26, 2018
Instrument	10688
Transaction Type	Transfer
Record Updated	Oct 18, 2018
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,487.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2406 FRASER ST BAY CITY MI 487088636, BAY CITY, MI 48708-8636

Mortgage

Document Number	10689
Date	Aug 3, 2018
Instrument	10689

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 3624 Kawkawlin River Dr was $5,017 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	$5,017.00 Homeowner's exemption	$142,550	$285,100
2023		$109,700	$219,400
2022	$3,161.00

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 3624 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 3624 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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