3633 Kawkawlin River Dr, Bay City, MI 48706 Property Records

Bay County property record for 3633 Kawkawlin River Dr, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,324 sqft · built 1935
Lot Size	0.81 acres (35,284 sqft)
Owner	Individual Name on File
Last Sale	$331,000 (Aug 2022)
Tax Bill	$4,389 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`010-005-300-090-00`

Property Details

APN / Parcel Number

Primary APN	`010-005-300-090-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,324 sqft Living Area
1st Floor Area	1,324 sqft
Basement Area	832 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Ranch
Lot Area	35,284 sqft (0.81 acres)
Lot Dimensions	349 ft deep x 99.7 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3633 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 852.19 FT TO POB TH N 39D 26M W 359.40 FT TH N 58D
Legal Lot Number	5
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	3
Census Block	3001
Census Tract	285900

Owner

3633 Kawkawlin River Dr is owned and occupied by an individual who bought it in August 2022.

Source: Bay County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	3633 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
Aug 23, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK
Jan 24, 2020	Deed of Trust, Mortgage QUICKEN LNS
Jul 3, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2022 · Amount on File
Deed Sale	Aug 23, 2022 · Amount on File
Prior Sale	Jul 3, 2018 · Amount on File
Deed Document Number	202212041
Prior Transfer Date	Sep 30, 2015
Prior Transfer Doc	0031160869
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Aug 23, 2022
Property Address	3633 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Document Number	0000012041
Instrument Date	Aug 22, 2022
Instrument	202212041
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	HOMELAND TITLE, HOMELAND TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,482.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3633 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4182 N PAUL CIR, BAY CITY, MI 48706-6512

Mortgage

Document Number	0000012042
Date	Aug 23, 2022
Instrument	202212042

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.44%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	4.44%
Max Rate At Change	5.44%
Index	1-Year CMT
Margin	3
Max Rate	9.44%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3633 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Document Number	0000001230
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3633 KAWKAWLIN RIVER DR BAY CITY MI 487061773, BAY CITY, MI 48706-1773

Mortgage

Document Number	0000001230
Date	Jan 29, 2020
Instrument	1230

Lender

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

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jan 28, 2035

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jul 3, 2018
Property Address	3633 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Document Number	0000009233
Instrument Date	Jun 22, 2018
Instrument	9233
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,745.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3633 KAWKAWLIN RIVER DR BAY CITY MI 487061773, BAY CITY, MI 48706-1773

Mortgage

Document Number	9234
Date	Jul 3, 2018
Instrument	9234

Lender

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

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 3633 Kawkawlin River Dr was $4,389 with a homeowner's exemption, up 74% 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	$4,389.00 (+74.03%) Homeowner's exemption	$178,450 (+31.55%)	$356,900 (+31.55%)
2025	$2,522.00 Homeowner's exemption	$135,650	$271,300
2023		$106,350	$212,700
2022	$3,292.00

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 3633 Kawkawlin River Dr in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 3633 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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