3637 Kawkawlin River Dr, Bay City, MI 48706 Property Records

Bay County property record for 3637 Kawkawlin River Dr, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,271 sqft · built 1930
Lot Size	0.85 acres (37,026 sqft)
Owner	Individual Name on File
Tax Bill	$3,495 (2026)
Deeds & Mortgages	Dec 2023 Sale Feb 2020 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`010-005-300-085-00`

Property Details

APN / Parcel Number

Primary APN	`010-005-300-085-00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	1,271 sqft Living Area
1st Floor Area	1,271 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Ranch
Lot Area	37,026 sqft (0.85 acres)
Lot Dimensions	372 ft deep x 100 ft wide
Garage Area	286 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3637 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 955 FT N 49D 30M E FR POINT 1663 FT N & 790 FT E OF SW COR OF SEC, TH N 38D W 372 FT, TH N 49D 30M E 100 FT, TH S 38D E
Legal Range	05E
Legal Township	14N
Legal Section	05
Legal Lot Number	5-6
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	3
Census Block	3001
Census Tract	285900

Owner

3637 Kawkawlin River Dr is owned and occupied by an individual who acquired it in December 2023.

Source: Bay County records, as of July 8, 2026

Owner of Record	Individual Name on File
Mailing Address	3637 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
Dec 11, 2023	Warranty Deed, Transfer
Feb 27, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 30, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Sep 26, 2017	Deed of Trust, Mortgage · Line of Credit WILDFIRE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 4, 2023
Transfer Doc	0000013520
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Dec 11, 2023
Property Address	3637 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Document Number	0000013520
Instrument Date	Dec 4, 2023
Instrument	202313520
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2260 OLD BEAVER RD, BAY CITY, MI 48706

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3637 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Feb 27, 2020
Property Address	3637 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Document Number	0000002559
Instrument Date	Feb 27, 2020
Instrument	2559
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	3637 KAWKAWLIN RIVER DR BAY CITY MI 487061773, BAY CITY, MI 48706-1773

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Apr 30, 2019
Property Address	3637 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Document Number	0000006289
Instrument Date	Apr 26, 2019
Instrument	6289
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3140 E RIVERVIEW DR BAY CITY MI 487061321, BAY CITY, MI 48706-1321

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3637 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773
Document Number	0032420834
Book / Page	003242 / 000834
Instrument Date	Sep 26, 2017
Transaction Type	Mortgage
Record Updated	Dec 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3637 KAWKAWLIN RIVER DR BAY CITY MI 487061773, BAY CITY, MI 48706-1773

Mortgage

Document Number	0032420834
Date	Oct 6, 2017
Book Page	003242/000834

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48604

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 5, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3637 Kawkawlin River Dr was $3,495 with a homeowner's exemption, up 78% 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	$3,495.00 (+77.95%) Homeowner's exemption	$147,100 (+26.48%)	$294,200 (+26.48%)
2025	$1,964.00 Homeowner's exemption	$116,300	$232,600
2023		$90,850	$181,700
2022	$2,896.00

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

Flood

FEMA maps place 3637 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 3637 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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