433 Chip Rd, Auburn, MI 48611 Property Records

Bay County property record for 433 Chip Rd, Auburn, MI 48611

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1972
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Aug 2019)
Tax Bill	$2,849 (2026)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`140-001-300-045-00`

Property Details

APN / Parcel Number

Primary APN	`140-001-300-045-00`

Interior

Bedrooms	3 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
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	240 ft deep x 169 ft wide
Garage Area	1,304 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	433 CHIP RD
City	AUBURN
State	MI
Zip	48611-9774
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE
Legal Description	COM 842.01 FT E OF W 1/4 COR OF SEC TH S 233.01 FT TH E 131.14 FT TH N 17D E TO E & W 1/4 LI TH W TO BEG. SEC.1,T14N,R3E
Jurisdiction	BAY MI
Township / Civil Division	WILLIAMS
Census Block Group	1
Census Block	1012
Census Tract	285600

Owner

Source: Bay County records, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	433 CHIP RD, AUBURN, MI 48611-9774
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2019 · Amount on Record
Deed Sale	Aug 28, 2019 · Amount on Record
Prior Sale	Nov 15, 2016 · Amount on Record
Deed Document Number	201911924
Prior Transfer Date	Mar 6, 2001
Prior Transfer Doc	0023950029
Record Updated	Oct 29, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Aug 28, 2019
Property Address	433 CHIP RD, AUBURN, MI 48611-9774
Document Number	0000011924
Instrument Date	Aug 6, 2019
Instrument	11924
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$989.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3285 KEITH RD AUBURN MI 486119743, AUBURN, MI 48611-9743

Mortgage

Document Number	11925
Date	Aug 28, 2019
Instrument	11925

Lender

Name	CHEMICAL BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Williams Charter Township
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,849.00 (+88.93%) Homeowner's exemption	$96,250 (+9.62%)	$192,500 (+9.62%)
2025	$1,508.00 (-40.06%) Homeowner's exemption	$87,800 (+16.06%)	$175,600 (+16.06%)
2023		$75,650	$151,300
2022	$2,516.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1986–2020)
Claims Outside the SFHA	2 of 5
Most Recent Claim	May 2020 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2017 · 3 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35