Bay County property record for 451 Chip Rd, Auburn, MI 48611
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 988 sqft · built 1969 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $180,000 (Dec 2023) |
| Tax Bill | $3,049 (2026) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Nov 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 140-001-300-040-00 |
| Primary APN | 140-001-300-040-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Basement Area | 988 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Lot Area | 30,492 sqft (0.7 acres) |
| Lot Dimensions | 200 ft deep x 130 ft wide |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 451 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 712.01 FT E OF W 1/4 COR TH S 233.01 FT TH E 130 FT TH N 233.01 FT TH W 130 FT TO BEG SEC 1 T14N R3E 6-23-77 |
| Legal Range | 03E |
| Legal Township | 14N |
| Legal Section | 01 |
| Jurisdiction | BAY MI |
| Township / Civil Division | WILLIAMS |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 285600 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2136 8 MILE RD, KAWKAWLIN, MI 48631-9713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2023 | Warranty Deed, Transfer · FHA Mortgage STAUNTON FINANCIAL INC |
| Nov 4, 2022 | Warranty Deed, Transfer · Conventional Mortgage DOW CU |
| Oct 21, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2023 · Amount on Record |
| Deed Sale | Dec 18, 2023 · Amount on Record |
| Prior Sale | Nov 4, 2022 · Amount on Record |
| Deed Document Number | 202313780 |
| Prior Transfer Date | Jun 7, 2019 |
| Prior Transfer Doc | 0000014778 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Dec 18, 2023 |
| Property Address | 451 CHIP RD, AUBURN, MI 48611-9774 |
| Document Number | 0000013780 |
| Instrument Date | Dec 18, 2023 |
| Instrument | 202313780 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,350.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 451 CHIP RD, AUBURN, MI 48611-9774 |
| Name | Verified Name |
|---|---|
| Address | 2136 8 MILE RD, KAWKAWLIN, MI 48631-9713 |
| Investor | Possibly a Property Investor |
| Document Number | 0000013781 |
|---|---|
| Date | Dec 18, 2023 |
| Instrument | 202313781 |
| Name | STAUNTON FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Nov 4, 2022 |
| Property Address | 451 CHIP RD, AUBURN, MI 48611-9774 |
| Document Number | 0000015355 |
| Instrument Date | Nov 2, 2022 |
| Instrument | 202215355 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,312.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 756 MIDLAND RD, BAY CITY, MI 48706-8700 |
| Name | Verified Name |
|---|---|
| Address | 2388 GARFIELD RD, AUBURN, MI 48611-9734 |
| Document Number | 0000015357 |
|---|---|
| Date | Nov 4, 2022 |
| Instrument | 202215357 |
| Name | DOW CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 21, 2022 |
| Property Address | 451 CHIP RD, AUBURN, MI 48611-9774 |
| Document Number | 0000014778 |
| Instrument Date | Jun 7, 2022 |
| Instrument | 202214778 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 451 W CHIP RD, PRUDENVILLE, MI 48651 |
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Williams Charter Township |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,049.00 (+72.45%) Homeowner's exemption | $82,700 (+27.13%) | $165,400 (+27.13%) |
| 2023 | $65,050 | $130,100 | |
| 2022 | $1,768.00 |
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.
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 |
|
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.
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.
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 |
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