Bay County property record for 4698 Joan Ct, Auburn, MI 48611
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,720 sqft · built 2005 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Mar 2025) |
| Tax Bill | $3,397 (2026) |
| Deeds & Mortgages | Apr 2026 Line of Credit Feb 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 140-020-200-185-00 |
| Primary APN | 140-020-200-185-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,720 sqft Living Area |
| 1st Floor Area | 1,720 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 29,185 sqft (0.67 acres) |
| Lot Dimensions | 220 ft deep x 132 ft wide |
| Garage Area | 1,188 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4698 JOAN CT |
|---|---|
| City | AUBURN |
| State | MI |
| Zip | 48611-9221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BEG @ PT 1092 FT W & 382 FT N OF E 1/4 POST SEC 20, TH CONT N 132 FT, TH W 220 FT, TH S 132 FT, TH E 220 FT TO POB, SEC 20 |
| Jurisdiction | BAY MI |
| Township / Civil Division | WILLIAMS |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 285600 |
4698 Joan Ct is owned and occupied by two individuals who bought it in March 2025.
Source: Bay County records, as of May 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4698 JOAN CT, AUBURN, MI 48611-9221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
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 |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · Line of Credit MEMBERS FIRST FEDERAL CREDIT UNION |
| Feb 17, 2023 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Feb 6, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2025 · Amount on File |
| Deed Sale | Mar 19, 2025 · Amount on File |
| Deed Document Number | 20252833 |
| Prior Transfer Date | Feb 3, 2023 |
| Prior Transfer Doc | 0000001318 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Apr 15, 2026 |
| Property Address | 4698 JOAN CT, AUBURN, MI 48611-9221 |
| Document Number | 0000005364 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 20265364 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4698 JOAN CT, AUBURN, MI 48611-9221 |
| Document Number | 0000005364, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 20265364 |
| Name | MEMBERS FIRST FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 6, 2051 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 4698 JOAN CT, AUBURN, MI 48611-9221 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4698 JOAN CT, AUBURN, MI 48611-9221 |
| Document Number | 0000001777 |
|---|---|
| Date | Feb 17, 2023 |
| Instrument | 202301777 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 3, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Feb 6, 2023 |
| Property Address | 4698 JOAN CT, AUBURN, MI 48611-9221 |
| Document Number | 0000001318 |
| Instrument Date | Feb 3, 2023 |
| Instrument | 202301318 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1402 S ERIE ST, BAY CITY, MI 48706-5126 |
| Name | Verified Name |
|---|---|
| Address | 4698 TANN DR, AUBURN, MI 48611 |
The 2026 property tax bill for 4698 Joan Ct was $3,397 with a homeowner's exemption.
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 | $3,397.00 Homeowner's exemption | $154,350 | $308,700 |
| 2023 | $123,550 (+11.71%) | $247,100 (+11.71%) | |
| 2022 | $3,130.00 (+7.34%) Homeowner's exemption | $110,600 | $221,200 |
| 2021 | $2,916.00 |
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.
FEMA maps place 4698 Joan Ct 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 4698 Joan Ct 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 96% of the US · lower than 91% 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 | CITY OF MIDLAND serves 42,547 people · EPA ID MI0004370 |
|---|---|
| Water Source | Purchased surface water from SAGINAW-MIDLAND WATER SUPPLY |
| Last State Inspection | Mar 2023 |
| Lead | 3 ppb (2024) 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.
Source: FCC Broadband Data Collection, based on 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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