Bay County property record for 3697 Kawkawlin River Dr, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,277 sqft · built 1944 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (Nov 2018) |
| Tax Bill | $6,266 (2026) |
| Deeds & Mortgages | Oct 2026 Line of Credit Feb 2019 Transfer + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 010-005-100-475-01 |
| Primary APN | 010-005-100-475-01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 3,277 sqft Living Area |
| 1st Floor Area | 3,277 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Architectural Style | Ranch |
| Lot Area | 38,333 sqft (0.88 acres) |
| Lot Dimensions | 182 ft deep x 301 ft wide |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 3697 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 W 1/4 COR OF SEC 5, TH N 01D 36M 49S E 294.84 FT ALONG W SEC LINE, TH S 88D 23M 11S E 1909.95 FT PERPENDICULAR TO W |
| Legal Lot Number | 6A |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 285900 |
3697 Kawkawlin River Dr is owned and occupied by an individual who bought it in November 2018.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2215 AVON LN, BIRMINGHAM, MI 48009-1510 |
| 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.
| Date | Document |
|---|---|
| Oct 14, 2026 | Deed of Trust, Mortgage · Line of Credit LOC FEDERAL CREDIT UNION |
| Feb 15, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Nov 14, 2018 | Warranty Deed, Transfer DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE |
| Nov 14, 2018 | Warranty Deed, Transfer DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 14, 2018 · Amount on File |
| Deed Sale | Nov 14, 2018 · Amount on File |
| Prior Sale | Jan 29, 2007 · Amount on File |
| Deed Document Number | 201815554 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 14, 2026 |
| Property Address | 3697 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773 |
| Document Number | 0000013447 |
| Instrument Date | Oct 8, 2026 |
| Instrument | 202613447 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3697 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773 |
| Document Number | 0000013447, |
|---|---|
| Date | Oct 14, 2026 |
| Instrument | 202613447 |
| Name | LOC FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Feb 15, 2019 |
| Property Address | 3697 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773 |
| Document Number | 0000001759 |
| Instrument Date | Feb 14, 2019 |
| Instrument | 1759 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 2215 AVON LN BIRMINGHAM MI 480091510, BIRMINGHAM, MI 48009-1510 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Nov 14, 2018 |
| Property Address | 3697 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773 |
| Document Number | 0000015554 |
| Instrument Date | Nov 9, 2018 |
| Instrument | 15554 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2019 |
| Title Company | DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2,365.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2215 AVON LN BIRMINGHAM MI 480091510, BIRMINGHAM, MI 48009-1510 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Nov 14, 2018 |
| Property Address | 3697 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1773 |
| Document Number | 0000015555 |
| Instrument Date | Nov 9, 2018 |
| Instrument | 15555 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2019 |
| Title Company | DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $344.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2215 AVON LN BIRMINGHAM MI 480091510, BIRMINGHAM, MI 48009-1510 |
The 2026 property tax bill for 3697 Kawkawlin River Dr was $6,266 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 | $6,266.00 Homeowner's exemption | $287,250 | $574,500 |
| 2023 | $173,200 | $346,400 | |
| 2022 | $5,201.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3697 Kawkawlin River Dr in Zone X, an area of moderate flood risk, within 100 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 |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 3697 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 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 202 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T DSL | 100 / 20 |
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