Bay County property record for 421 Virginia St, Auburn, MI 48611
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,596 sqft · built 1974 |
| Lot Size | 0.324 acres (14,113 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $168,100 (Feb 2006) |
| Tax Bill | $2,762 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Dec 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-B11-000-031-00 |
| Primary APN | 150-B11-000-031-00 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,596 sqft Living Area |
| 1st Floor Area | 1,064 sqft |
| Basement Area | 1,064 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Lot Area | 14,113 sqft (0.324 acres) |
| Lot Dimensions | 141 ft deep x 100 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 421 VIRGINIA ST |
|---|---|
| City | AUBURN |
| State | MI |
| Zip | 48611-9445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 31 BROWN SUBDIVISION NO. 2, L8/P4 BCR |
| Legal Subdivision | BROWN SUBDIVISION |
| Legal Lot Number | 31 |
| Jurisdiction | BAY MI |
| Township / Civil Division | AUBURN |
| Census Block Group | 5 |
| Census Block | 5007 |
| Census Tract | 285600 |
421 Virginia St is owned and occupied by two individuals who acquired it in April 2012.
Source: Bay County records, as of May 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 421 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 |
|---|---|
| Sep 11, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Dec 17, 2018 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2006 · Amount on File |
| Deed Sale | Feb 28, 2006 · Amount on File |
| Deed Book / Page | 2415 / 340 |
| Last Transfer Date | Apr 24, 2012 |
| Transfer Doc | 0028740510 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 421 VIRGINIA ST, AUBURN, MI 48611-9445 |
| Document Number | 0000012976 |
| Instrument Date | Sep 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 421 VIRGINIA ST AUBURN MI 486119445, AUBURN, MI 48611-9445 |
| Document Number | 0000012976 |
|---|---|
| Date | Sep 16, 2020 |
| Instrument | 12976 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 15, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 421 VIRGINIA ST, AUBURN, MI 48611-9445 |
| Document Number | 0000017185 |
| Instrument Date | Dec 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 421 VIRGINIA ST AUBURN MI 486119445, AUBURN, MI 48611-9445 |
| Document Number | 0000017185 |
|---|---|
| Date | Dec 26, 2018 |
| Instrument | 17185 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 25, 2048 |
The 2025 property tax bill for 421 Virginia St was $2,762 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 | $99,700 (-1.09%) | $199,400 (-1.09%) |
| 2025 | $2,762.00 Homeowner's exemption | $100,800 | $201,600 |
| 2023 | $85,300 | $170,600 | |
| 2022 | $3,081.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 421 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.
Wildfire risk around 421 Virginia 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 | 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 152 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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