Bay County property record for 403 S Water St, Pinconning, MI 48650
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,576 sqft · built 1950 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $98,400 (Oct 2002) |
| Tax Bill | $2,097 (2026) |
| Deeds & Mortgages | Dec 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 180-P10-004-014-00 |
| Primary APN | 180-P10-004-014-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,576 sqft Living Area |
| 1st Floor Area | 1,576 sqft |
| Basement Area | 1,264 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 200 ft deep x 75 ft wide |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 403 S WATER ST |
|---|---|
| City | PINCONNING |
| State | MI |
| Zip | 48650-9703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 25 FT OF LOT 13, ALSO LOT 14 BLK 4 THE PLUMMER ADD., L2/P58 BCR |
| Legal Subdivision | THE PLUMMER ADD |
| Legal Block | 4 |
| Legal Lot Number | 13-14 |
| Jurisdiction | BAY MI |
| Township / Civil Division | PINCONNING |
| Census Block Group | 3 |
| Census Block | 3046 |
| Census Tract | 286300 |
403 S Water St is owned and occupied by two individuals who acquired it in September 2019.
Source: Bay County records, as of May 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 S WATER ST, PINCONNING, MI 48650-9703 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2002 · Amount on File |
| Deed Sale | Oct 1, 2002 · Amount on File |
| Deed Book / Page | 1937 / 934 |
| Last Transfer Date | Sep 11, 2019 |
| Transfer Doc | 0000017281 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Dec 26, 2019 |
| Property Address | 403 S WATER ST, PINCONNING, MI 48650-9703 |
| Document Number | 0000017281 |
| Instrument Date | Sep 11, 2019 |
| Instrument | 17281 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 403 S WATER ST PINCONNING MI 486509703, PINCONNING, MI 48650-9703 |
The 2026 property tax bill for 403 S Water St was $2,097 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| Municipality | Pinconning City |
| Unified School District | Pinconning Area Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,097.00 Homeowner's exemption | $61,500 | $123,000 |
| 2023 | $43,500 | $87,000 | |
| 2022 | $2,452.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 403 S Water St in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1983.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 17 (1983–2020) |
| Claims Outside the SFHA | 3 of 17 |
| Most Recent Claim | May 2020 · tidal / storm surge |
| 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 403 S Water St 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 PINCONNING serves 1,204 people · EPA ID MI0005330 |
|---|---|
| Water Source | Purchased surface water from BAY AREA WATER SYSTEM |
| Last State Inspection | Apr 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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 348 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Point Broadband.
5G (outdoors only) and 4G LTE
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