413 W 4th St, Pinconning, MI 48650 Property Records

Bay County property record for 413 W 4th St, Pinconning, MI 48650

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,056 sqft · built 1925
Lot Size	0.092 acres (4,008 sqft)
Owner	Trust Name on File
Last Sale	$125,000 (Aug 2025)
Tax Bill	$1,606 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Aug 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`180-C05-014-003-00`

Property Details

APN / Parcel Number

Primary APN	`180-C05-014-003-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Lot Area	4,008 sqft (0.092 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	413 W 4TH ST
City	PINCONNING
State	MI
Zip	48650-9507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 14 H. M. CLIFFS ADD., L2/P59 BCR
Legal Subdivision	H M CLIFFS ADD
Legal Block	14
Legal Lot Number	3
Jurisdiction	BAY MI
Township / Civil Division	PINCONNING
Census Block Group	1
Census Block	1046
Census Tract	286300

Owner

413 W 4th St is owner-occupied and held in a trust since August 2025.

Source: Bay County records, as of May 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	562 W LAGRANT RD, TWINING, MI 48766-9781
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Warranty Deed, Transfer · FHA Mortgage MERCANTILE BANK OF MICHIGAN
Aug 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2025 · Amount on File
Deed Sale	Aug 29, 2025 · Amount on File
Prior Sale	Nov 2, 2021 · Amount on File
Deed Document Number	202511045
Prior Transfer Date	Aug 26, 2019
Prior Transfer Doc	0000011830
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Nov 2, 2021
Property Address	413 W 4TH ST, PINCONNING, MI 48650-9507
Document Number	0000018526
Map Reference	LB 2 PG 59
Instrument Date	Oct 29, 2021
Instrument	202118526
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$645.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 50TH AVE W, BRADENTON, FL 34207

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2480 S MORRISON RD, WEST BRANCH, MI 48661-9708

Mortgage

Document Number	0000018527
Date	Nov 2, 2021
Instrument	202118527

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Mortgage

Document Number	0000018528
Date	Nov 2, 2021
Instrument	202118528

Lender

Name	MICHIGAN STATE HOUSING DEVELOPMENT AUTHO
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Aug 26, 2019
Property Address	413 W 4TH ST, PINCONNING, MI 48650-9507
Document Number	0000011830
Instrument Date	Aug 26, 2019
Instrument	11830
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	413 W 4TH ST PINCONNING MI 486509507, PINCONNING, MI 48650-9507

Tax Assessment & Valuation

The 2026 property tax bill for 413 W 4th St was $1,606 with a homeowner's exemption, up 31.7% from the year before.

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
Municipality	Pinconning City
Unified School District	Pinconning Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,606.00 (+31.75%) Homeowner's exemption	$37,000 (+11.45%)	$74,000 (+11.45%)
2025	$1,219.00 Homeowner's exemption	$33,200	$66,400
2023		$26,000	$52,000
2022	$1,484.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 413 W 4th 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.

Wildfire

The area around 413 W 4th 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on W 4th St

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