Bay County property record for 4635 Stephanie St, Auburn, MI 48611
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.615 acres (26,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $299,000 (Sep 2019) |
| Tax Bill | $563 (2022) |
| Deeds & Mortgages | Oct 2020 Line of Credit Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 140-A10-000-009-00 |
| Primary APN | 140-A10-000-009-00 |
|---|
| Lot Area | 26,810 sqft |
|---|---|
| Lot Width | 122 ft Width |
| Street Address | 4635 STEPHANIE ST |
|---|---|
| City | AUBURN |
| State | MI |
| Zip | 48611-9219 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | UNIT 9 AUBURN EAST SITE CONDOMINIUMS, PLAN # 55 L2282/P572 BCR AMD |
| Legal Subdivision | AUBURN EAST SITE CONDO |
| Jurisdiction | BAY MI |
| Township / Civil Division | WILLIAMS |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 285600 |
Source: Bay County records, as of December 15, 2023
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4649 STEPHANIE ST, AUBURN, MI 48611-9219 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 26, 2020 | Deed of Trust, Mortgage · Line of Credit WILDFIRE CU |
| Oct 26, 2020 | Deed of Trust, Mortgage WILDFIRE CU |
| Sep 26, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 13, 2019 · Amount on Record |
| Deed Sale | Sep 13, 2019 · Amount on Record |
| Deed Document Number | 201913245 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 4635 STEPHANIE ST, AUBURN, MI 48611-9219 |
| Document Number | 0000000367 |
| Instrument Date | Oct 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4649 STEPHANIE ST AUBURN MI 486119219, AUBURN, MI 48611-9219 |
| Document Number | 0000000367 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 367 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48605-3285 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 7, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 4635 STEPHANIE ST, AUBURN, MI 48611-9219 |
| Document Number | 0000000366 |
| Instrument Date | Oct 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4649 STEPHANIE ST AUBURN MI 486119219, AUBURN, MI 48611-9219 |
| Document Number | 0000000366 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 366 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48605-3285 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jan 7, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 26, 2019 |
| Property Address | 4635 STEPHANIE ST, AUBURN, MI 48611-9219 |
| Document Number | 0000013245 |
| Instrument Date | Sep 13, 2019 |
| Instrument | 13245 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,571.40 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2058 HOTCHKISS RD FREELAND MI 486239323, FREELAND, MI 48623-9323 |
| Document Number | 13246 |
|---|---|
| Date | Sep 26, 2019 |
| Instrument | 13246 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 25, 2039 |
Source: Bay County assessment roll, as of March 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $18,600 | $37,200 | |
| 2022 | $563.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 | 1 in force |
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 | 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 | BANGOR-MONITOR METRO DISTRICT serves 2,971 people · EPA ID MI0000400 |
|---|---|
| Water Source | Purchased surface water from BAY AREA WATER SYSTEM |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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