Bay County property record for 3713 Kawkawlin River Dr, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,323 sqft · built 1945 |
| Lot Size | 1.12 acres (48,787 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,900 (Dec 2016) |
| Tax Bill | $7,663 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage Aug 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 010-005-100-470-00 |
| Primary APN | 010-005-100-470-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,323 sqft Living Area |
| 1st Floor Area | 1,867 sqft |
| Basement Area | 816 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Lot Area | 48,787 sqft (1.12 acres) |
| Lot Dimensions | 383 ft deep x 127 ft wide |
| Garage Area | 1,800 sqft |
| Parking Spaces | 6 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3713 KAWKAWLIN RIVER DR |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-1776 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | COM. AT SW CORNER OF OUTLOT A, SUPERVISOR'S PLAT OF BOWMAN GARDEN SUBDIVISION, TH N 48?36'40" W 146.45 FT, TH N 19?24' W |
| Legal Subdivision | SUPERVISORS OF BOMAN GARDENS S |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 285900 |
3713 Kawkawlin River Dr is owned and occupied by an individual who bought it in December 2016.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3713 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1776 |
| 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 |
|---|---|
| Mar 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Aug 26, 2025 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Mar 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG |
| Jun 5, 2018 | Deed of Trust, Mortgage · Line of Credit CHEMICAL BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2016 · Amount on File |
| Deed Sale | Dec 22, 2016 · Amount on File |
| Prior Sale | Aug 13, 1998 · Amount on File |
| Deed Book / Page | 3191 / 789 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3713 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1776 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3713 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1776 |
| Document Number | 0000003619 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | 202203619 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3713 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1776 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3713 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1776 |
| Document Number | 0000010869 |
|---|---|
| Date | Aug 26, 2025 |
| Instrument | 202510869 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Aug 25, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3713 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1776 |
| Document Number | 0000004508 |
| Instrument Date | Mar 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3713 KAWKAWLIN RIVER DR BAY CITY MI 487061776, BAY CITY, MI 48706-1776 |
| Document Number | 0000004508 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 4508 |
| Name | AMERISAVE MTG |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 29, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3713 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1776 |
| Document Number | 0000008458 |
| Instrument Date | Jun 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8301 MAUDE STEWART RD FUQUAY VARINA NC 275267857, FUQUAY VARINA, NC 27526-7857 |
| Document Number | 0000008458 |
|---|---|
| Date | Jun 15, 2018 |
| Instrument | 8458 |
| Name | CHEMICAL BK |
|---|---|
| Type | Bank |
| Address | MIDLAND, MI 48640 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 3713 Kawkawlin River Dr was $7,663 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 | $7,663.00 Homeowner's exemption | $354,750 | $709,500 |
| 2023 | $213,750 | $427,500 | |
| 2022 | $6,336.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3713 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 |
| Coastal | Yes |
| 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 3713 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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