4970 Lakeside Dr, Pinconning, MI 48650 Property Records

Bay County property record for 4970 Lakeside Dr, Pinconning, MI 48650 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,128 sqft · built 1968
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$232,000 (Apr 2025)
Tax Bill	$759 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120-L05-000-017-01`

Property Details

APN / Parcel Number

Primary APN	`120-L05-000-017-01`

Interior

Full Baths	1 Bath
Building Area	1,128 sqft Living Area
1st Floor Area	1,128 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Lot Area	10,890 sqft (0.25 acres)
Lot Width	125 ft Width
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4970 LAKESIDE DR
City	PINCONNING
State	MI
Zip	48650-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF LOTS 17 & 18 OF LAPAN SUB DESC AS: BEG AT SE COR OF LOT 18, TH N 01?48'06" E 85 FT ALG E LN OF LOT 18, TH S 70?06'33" W
Legal Subdivision	LAPAN SUB
Legal Lot Number	17-18
Jurisdiction	BAY MI
Township / Civil Division	PINCONNING
Census Block Group	3
Census Block	3030
Census Tract	286300

Owner

Source: Bay County records · APN 120-L05-000-017-01

Assessment roll updated May 18, 2026 · Last verified May 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 File
Mailing Address	4970 LAKESIDE DR, PINCONNING, MI 48650-9722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Sep 08, 2021	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 07, 2025 · Amount on Record
Deed Sale	Apr 07, 2025 · Amount on Record
Deed Document Number	20254720
Record Updated	Jun 08, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	4970 LAKESIDE DR, PINCONNING, MI 48650-9722
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4970 LAKESIDE DR, PINCONNING, MI 48650-9722

Mortgage

Document Number	0000000395
Date	Jan 13, 2026
Instrument	202600395

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 01, 2031
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	5.62%
Index	1-Year CMT
Margin	2

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Sep 08, 2021
Property Address	4970 LAKESIDE DR, PINCONNING, MI 48650-9722
Document Number	0000015330
Instrument Date	Aug 31, 2021
Instrument	202115330
Transaction Type	Transfer
Record Updated	Dec 18, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,462.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Interest Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2959 W GARFIELD RD, NEW ERA, MI 49446-9759

Mortgage

Document Number	0000015331
Date	Sep 08, 2021
Instrument	202115331

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2051

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated May 18, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Pinconning Township
Unified School District	Pinconning Area Schools (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$759.00 (-69.83%) Homeowner's exemption	$90,100 (+21.59%)	$180,200 (+21.59%)
2023		$74,100	$148,200
2022	$2,516.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (26017C), updated February 17, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260172863003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 10 individual NFIP policies nearby
Nearby Flood Policies	10 in force
Nearby Flood Claims	17 (1983–2020)
Claims Outside the SFHA	3 of 17
Most Recent Claim	May 2020, tidal / storm surge
Claims By Storm	Severe Storms And Flooding, Jun 2017 · 2 claims Severe Storms & Flooding, Oct 1986 · 4 claims

Wildfire

Wildfire Risk	Low above 7% of the US · above 17% of Michigan
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 21 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Point Broadband Fiber Holding. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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