498 Chip Rd, Auburn, MI 48611 Property Records

Bay County property record for 498 Chip Rd, Auburn, MI 48611

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,539 sqft · built 1895
Lot Size	5.82 acres (253,519 sqft)
Owner	2 Individual Names on Record
Last Sale	$273,000 (Mar 2025)
Tax Bill	$3,158 (2026)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Oct 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`140-001-100-110-00`

Property Details

APN / Parcel Number

Primary APN	`140-001-100-110-00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	2,539 sqft Living Area
1st Floor Area	1,451 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Lot Area	253,519 sqft (5.82 acres)
Garage Area	1,456 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	498 CHIP RD
City	AUBURN
State	MI
Zip	48611-9774
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE
Legal Description	S 720 FT OF W 417 FT OF SW 1/4 OF NW 1/4. EX N 270 FT OF W 175 FT. SEC 1 T14N R3E
Legal Range	03E
Legal Township	14N
Legal Section	01
Jurisdiction	BAY MI
Township / Civil Division	WILLIAMS
Census Block Group	1
Census Block	1000
Census Tract	285600

Owner

Source: Bay County records, as of May 18, 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	2930 N SHADY BEACH DR, BAY CITY, MI 48706-1938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2019	Warranty Deed, Transfer · Conventional Mortgage WILDFIRE CU
Oct 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2025 · Amount on Record
Deed Sale	Mar 3, 2025 · Amount on Record
Prior Sale	Dec 20, 2019 · Amount on Record
Deed Document Number	20252155
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Dec 20, 2019
Property Address	498 CHIP RD, AUBURN, MI 48611-9774
Document Number	0000017170
Instrument Date	Dec 17, 2019
Instrument	17170
Transaction Type	Transfer
Record Updated	Jan 28, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,135.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	498 CHIP RD AUBURN MI 486119774, AUBURN, MI 48611-9774

Mortgage

Document Number	17171
Date	Dec 20, 2019
Instrument	17171

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605-3285

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2049

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Oct 10, 2019
Property Address	498 CHIP RD, AUBURN, MI 48611-9774
Document Number	0000013919
Instrument Date	Feb 1, 2016
Instrument	13919
Transaction Type	Transfer
Record Updated	Jan 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	498 CHIP RD AUBURN MI 486119774, AUBURN, MI 48611-9774

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	$3,158.00 (+15.85%) Homeowner's exemption	$97,350 (+28.77%)	$194,700 (+28.77%)
2023		$75,600	$151,200
2022	$2,726.00

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.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Chip Rd

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