3652 Kawkawlin River Dr, Bay City, MI 48706 Property Records

Bay County property record for 3652 Kawkawlin River Dr, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,218 sqft · built 1952
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on File
Last Sale	$159,900 (Oct 2016)
Tax Bill	$3,171 (2026)
Deeds & Mortgages	Jul 2026 Transfer Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-005-300-075-00`

Property Details

APN / Parcel Number

Primary APN	`010-005-300-075-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,218 sqft Living Area
1st Floor Area	2,218 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Lot Area	40,511 sqft (0.93 acres)
Lot Dimensions	271 ft deep x 150 ft wide
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3652 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 AT SW COR OF SEC TH N 4D 37M E 1537 FT TH S 88D 29M E 740.97 FT & N 48D 34M E 1298.90 FT ALG SLY LI OF KAWKAWLIN RV DR TO
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	3
Census Block	3004
Census Tract	285900

Owner

3652 Kawkawlin River Dr is owned and occupied by two individuals who acquired it in July 2026.

Source: Bay County records, as of August 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3652 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 17, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Aug 11, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 11, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 18, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2016 · Amount on File
Deed Sale	Oct 17, 2016 · Amount on File
Prior Sale	May 14, 1992 · Amount on File
Deed Book / Page	3179 / 932
Last Transfer Date	Jul 16, 2026
Transfer Doc	0000009355
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Jul 17, 2026
Property Address	3652 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771
Document Number	0000009355
Instrument Date	Jul 16, 2026
Instrument	20269355
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3652 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3652 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771
Transaction Type	Mortgage
Record Updated	May 18, 2026
Title Company	FIDELITY NATIONAL TITLE G, FIDELITY NATIONAL TITLE GROU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3652 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771

Mortgage

Document Number	0000013845
Date	Aug 11, 2021
Instrument	202113845

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3652 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	FIDELITY NATIONAL TITLE G, FIDELITY NATIONAL TITLE GROU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3652 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771

Mortgage

Document Number	202113845
Date	Aug 11, 2021
Instrument	202113845

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3652 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1771
Document Number	0000011833
Instrument Date	Aug 18, 2020
Transaction Type	Mortgage
Record Updated	Feb 4, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3652 KAWKAWLIN RIVER DR BAY CITY MI 487061771, BAY CITY, MI 48706-1771

Mortgage

Document Number	0000011833
Date	Aug 26, 2020
Instrument	11833

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3652 Kawkawlin River Dr was $3,171 with a homeowner's exemption, up 74.3% 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	$3,171.00 (+74.33%) Homeowner's exemption	$120,500 (+5.1%)	$241,000 (+5.1%)
2025	$1,819.00 Homeowner's exemption	$114,650	$229,300
2023		$91,800	$183,600
2022	$2,619.00

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

Flood

FEMA maps place 3652 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 3652 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.

Nearby Properties on Kawkawlin River Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures