Bay County property record for 3645 Kawkawlin River Dr, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,800 sqft · built 2004 |
| Lot Size | 0.78 acres (33,977 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,999 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-005-100-520-00 |
| Primary APN | 010-005-100-520-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 1,788 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Lot Area | 33,977 sqft (0.78 acres) |
| Lot Dimensions | 372 ft deep x 100 ft wide |
| Garage Area | 1,872 sqft |
| Parking Spaces | 7 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3645 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 1055 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 | 6 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 285900 |
3645 Kawkawlin River Dr is owned and occupied by two individuals who acquired it in August 2002.
Source: Bay County records, as of May 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3645 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2002 |
| Deed Sale | Jul 2, 2002 |
| Prior Sale | Dec 29, 1998 |
| Deed Book / Page | 2144 / 254 |
| Last Transfer Date | Aug 22, 2002 |
| Transfer Doc | 2144000255 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 3645 Kawkawlin River Dr was $5,999 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Bangor Charter Township |
| Unified School District | Bangor Township Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,999.00 Homeowner's exemption | $340,250 | $680,500 |
| 2023 | $192,150 | $384,300 | |
| 2022 | $4,979.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3645 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 |
|
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 risk around 3645 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.
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 |
| 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.
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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