Bay County property record for 3733 Kawkawlin River Dr, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,226 sqft · built 1970 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $199,400 (Jun 2002) |
| Tax Bill | $4,288 (2026) |
| Deeds & Mortgages | Jan 2023 Line of Credit Dec 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 010-005-100-435-00 |
| Primary APN | 010-005-100-435-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,226 sqft Living Area |
| 1st Floor Area | 2,226 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Lot Area | 21,344 sqft (0.49 acres) |
| Lot Dimensions | 338 ft deep x 100 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3733 KAWKAWLIN RIVER DR |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-1754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | COM AT NE COR OUTLOT A BOMAN GARDENS SUB TH S 77D 39M W 5.43 FT TH N 4D 47M E 147.32 FT TO POB TH N 4D 47M E 238.5 FT TH S |
| Legal Range | 05E |
| Legal Township | 14N |
| Legal Section | 05 |
| Legal Lot Number | A |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 285900 |
3733 Kawkawlin River Dr is owned and occupied by two individuals who bought it in June 2002.
Source: Bay County records, as of May 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3733 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1754 |
| 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 |
|---|---|
| Jan 5, 2023 | Deed of Trust, Mortgage · Line of Credit 1ST STATE BANK |
| Dec 13, 2017 | Deed of Trust, Mortgage · Commercial Mortgage 1ST STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2002 · Amount on File |
| Deed Sale | Jun 28, 2002 · Amount on File |
| Prior Sale | Feb 8, 2002 · Amount on File |
| Deed Book / Page | 1903 / 285 |
| Prior Transfer Date | Feb 17, 1999 |
| Prior Transfer Doc | 1603000173 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3733 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1754 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3733 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1754 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000207 |
|---|---|
| Date | Jan 5, 2023 |
| Instrument | 202300207 |
| Name | 1ST STATE BANK |
|---|---|
| Type | Bank |
| Address | SAGINAW, MI 48605 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3733 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1754 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0032530952 |
|---|---|
| Date | Dec 13, 2017 |
| Book Page | 3253/952 |
| Instrument | 3253-952 |
| Name | 1ST STATE BANK |
|---|---|
| Type | Bank |
| Address | SAGINAW, MI 48605 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 3733 Kawkawlin River Dr was $4,288 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 | $4,288.00 Homeowner's exemption | $244,750 | $489,500 |
| 2023 | $141,850 | $283,700 | |
| 2022 | $3,556.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3733 Kawkawlin River Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 584.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| 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 3733 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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