3654 Kaiser Rd, Pinconning, MI 48650 Property Records

Bay County property record for 3654 Kaiser Rd, Pinconning, MI 48650

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,888 sqft
Lot Size	11.2 acres (490,050 sqft)
Owner	2 Individual Names on File
Last Sale	$214,000 (Dec 2020)
Tax Bill	$4,528 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120-026-300-060-00`

Property Details

APN / Parcel Number

Primary APN	`120-026-300-060-00`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,888 sqft Living Area
1st Floor Area	1,259 sqft
Basement Area	1,259 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	490,050 sqft (11.2 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3654 KAISER RD
City	PINCONNING
State	MI
Zip	48650-7517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 3337.47 FT S OF NW COR OF NE 1/4 OF NW 1/4 TH S 267.33 FT TH E 1919.24 FT TO WLY LI OF D & M RR TH N 242 FT TH W 1925.55
Legal Range	04
Legal Township	17
Legal Section	26
Jurisdiction	BAY MI
Township / Civil Division	PINCONNING
Census Block Group	2
Census Block	2004
Census Tract	286300

Owner

3654 Kaiser Rd is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3654 KAISER RD, PINCONNING, MI 48650-7517
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 9, 2025	Deed of Trust, Mortgage · Line of Credit WILDFIRE CU
Dec 7, 2020	Warranty Deed, Transfer · Conventional with PMI FIRST ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2020 · Amount on File
Deed Sale	Dec 7, 2020 · Amount on File
Deed Document Number	202017440
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3654 KAISER RD, PINCONNING, MI 48650-7517
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3654 KAISER RD, PINCONNING, MI 48650-7517

Mortgage

Document Number	0000015226
Date	Dec 9, 2025
Instrument	202515226

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 3, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Dec 7, 2020
Property Address	3654 KAISER RD, PINCONNING, MI 48650-7517
Document Number	0000017440
Instrument Date	Dec 4, 2020
Instrument	17440
Transaction Type	Transfer
Record Updated	Jan 18, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,840.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1898 E PREVO RD LINWOOD MI 486349494, LINWOOD, MI 48634-9494

Mortgage

Document Number	17441
Date	Dec 7, 2020
Instrument	17441

Lender

Name	FIRST ST BK
Type	Bank
Address	SAGINAW, MI 48605

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3654 Kaiser Rd was $4,528 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	Pinconning Township
Unified School District	Pinconning Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,528.00 Homeowner's exemption	$149,700	$299,400
2023		$125,300	$250,600
2022	$3,969.00

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

Flood

FEMA maps place 3654 Kaiser Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1986.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1986)
Most Recent Claim	Sep 1986 · Severe Storms & Flooding

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 3654 Kaiser Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Point Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

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