Bay County property record for 3826 Kawkawlin River Dr, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,040 sqft |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $61,000 (Jan 2013) |
| Tax Bill | $1,799 (2026) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 010-005-200-130-00 |
| Primary APN | 010-005-200-130-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Architectural Style | Ranch |
|---|---|
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 127 ft deep x 69.5 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3826 KAWKAWLIN RIVER DR |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-1772 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | COM 1569.51 FT S & 660 FT W OF NE COR OF NW 1/4 OF NE 1/4 TH S 132 FT TH W 75 FT TH N 85 FT TH N 48D 45M E 69.50 FT TH E 35 |
| Legal Range | 05E |
| Legal Township | 14N |
| Legal Section | 05 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 285900 |
3826 Kawkawlin River Dr is owned and occupied by an individual who bought it in January 2013.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3826 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1772 |
| 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 |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WILDFIRE CU |
| Oct 1, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 28, 2013 · Amount on File |
| Deed Sale | Jan 28, 2013 · Amount on File |
| Prior Sale | Oct 3, 1997 |
| Deed Book / Page | 2935 / 670 |
| Prior Transfer Date | Oct 1, 2012 |
| Prior Transfer Doc | 0029070658 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3826 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1772 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3826 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1772 |
| Document Number | 0000021262 |
|---|---|
| Date | Dec 27, 2021 |
| Instrument | 202121262 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48605 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3826 KAWKAWLIN RIVER DR, BAY CITY, MI 48706-1772 |
| Document Number | 0000014840 |
| Instrument Date | Oct 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3826 KAWKAWLIN RIVER DR BAY CITY MI 487061772, BAY CITY, MI 48706-1772 |
| Document Number | 0000014840 |
|---|---|
| Date | Oct 20, 2020 |
| Instrument | 14840 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 276 Months |
| Due | Oct 19, 2043 |
The 2026 property tax bill for 3826 Kawkawlin River Dr was $1,799 with a homeowner's exemption, up 86.8% from the year before.
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 | $1,799.00 (+86.81%) Homeowner's exemption | $64,100 (+6.66%) | $128,200 (+6.66%) |
| 2025 | $963.00 Homeowner's exemption | $60,100 | $120,200 |
| 2023 | $49,200 | $98,400 | |
| 2022 | $1,478.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3826 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 3826 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 95% of the US · lower than 89% 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.
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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