Bay County property record for 413 Virginia St, Auburn, MI 48611
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,691 sqft · built 1977 |
| Lot Size | 0.324 acres (14,113 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $228,000 (Oct 2021) |
| Tax Bill | $4,270 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Jun 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-B11-000-029-00 |
| Primary APN | 150-B11-000-029-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,691 sqft Living Area |
| 1st Floor Area | 891 sqft |
| Basement Area | 891 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Lot Area | 14,113 sqft (0.324 acres) |
| Lot Dimensions | 141 ft deep x 100 ft wide |
| Garage Area | 534 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 413 VIRGINIA ST |
|---|---|
| City | AUBURN |
| State | MI |
| Zip | 48611-9445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 29 BROWN SUBDIVISION NO. 2, L8/P4 BCR |
| Legal Subdivision | BROWN SUBDIVISION |
| Legal Lot Number | 29 |
| Jurisdiction | BAY MI |
| Township / Civil Division | AUBURN |
| Census Block Group | 5 |
| Census Block | 5007 |
| Census Tract | 285600 |
413 Virginia St is owned and occupied by two individuals who bought it in October 2021.
Source: Bay County records, as of May 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 413 VIRGINIA ST, AUBURN, MI 48611-9445 |
| 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 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Jun 14, 2021 | Deed of Trust, Mortgage QUICKEN LOANS LLC |
| Aug 24, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Feb 21, 2020 | Deed of Trust, Mortgage QUICKEN LNS |
| Jul 1, 2019 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 18, 2021 · Amount on File |
| Deed Sale | Oct 18, 2021 · Amount on File |
| Prior Sale | Jul 1, 2019 · Amount on File |
| Deed Document Number | 202117592 |
| Prior Transfer Date | Jun 8, 2010 |
| Prior Transfer Doc | 0027480555 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 18, 2021 |
| Property Address | 413 VIRGINIA ST, AUBURN, MI 48611-9445 |
| Document Number | 0000017592 |
| Map Reference | LB 8 PG 4 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 202117592 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,710.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 413 VIRGINIA ST, 413, AUBURN, MI 48611-9445 |
| Name | Verified Name |
|---|---|
| Address | 5571 GAERTNER CT, BAY CITY, MI 48706-3110 |
| Document Number | 0000017593 |
|---|---|
| Date | Oct 18, 2021 |
| Instrument | 202117593 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 413 VIRGINIA ST, AUBURN, MI 48611-9445 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202110501 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 202110501 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Amount | Amount on Record |
|---|---|
| Term | 358 Months |
| Due | Apr 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 24, 2020 |
| Property Address | 413 VIRGINIA ST, AUBURN, MI 48611-9445 |
| Document Number | 0000011664 |
| Instrument Date | Jul 20, 2020 |
| Instrument | 11664 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 413 VIRGINIA ST AUBURN MI 486119445, AUBURN, MI 48611-9445 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 413 VIRGINIA ST, AUBURN, MI 48611-9445 |
| Document Number | 0000002488 |
| Instrument Date | Feb 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 413 VIRGINIA ST AUBURN MI 486119445, AUBURN, MI 48611-9445 |
| Document Number | 0000002488 |
|---|---|
| Date | Feb 26, 2020 |
| Instrument | 2488 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 25, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jul 1, 2019 |
| Property Address | 413 VIRGINIA ST, AUBURN, MI 48611-9445 |
| Document Number | 0000009328 |
| Instrument Date | Jun 28, 2019 |
| Instrument | 9328 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1601 SAPPHIRE WAY SAGINAW MI 486031531, SAGINAW, MI 48603-1531 |
| Document Number | 9329 |
|---|---|
| Date | Jul 1, 2019 |
| Instrument | 9329 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 30, 2049 |
The 2025 property tax bill for 413 Virginia St was $4,270 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| Municipality | Auburn City |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | Homeowner's exemption | $122,800 (-3.08%) | $245,600 (-3.08%) |
| 2025 | $4,270.00 Homeowner's exemption | $126,700 | $253,400 |
| 2023 | $107,200 | $214,400 | |
| 2022 | $4,764.00 |
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 413 Virginia St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 17, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 413 Virginia St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | AUBURN serves 2,087 people · EPA ID MI0000300 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 141 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures