605 Horn St, Pinconning, MI 48650 Property Records

Bay County property record for 605 Horn St, Pinconning, MI 48650

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,562 sqft · built 1999
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Tax Bill	$3,096 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Jan 2021 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`180-W05-000-005-00`

Property Details

APN / Parcel Number

Primary APN	`180-W05-000-005-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,562 sqft Living Area
1st Floor Area	1,562 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	294 ft deep x 74 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	605 HORN ST
City	PINCONNING
State	MI
Zip	48650-8476
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/2 OF LOT 5 WILLOW BROOK SUB, L9/P37 BCR
Legal Subdivision	WILLOW BROOK SUBDIVISION
Legal Lot Number	5
Jurisdiction	BAY MI
Township / Civil Division	PINCONNING
Census Block Group	1
Census Block	1026
Census Tract	286300

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	Individual Name on Record
Mailing Address	605 HORN ST, PINCONNING, MI 48650-8476
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2023	Intrafamily Transfer, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jan 1, 2021	Loan Modification, Mortgage · FHA Mortgage MR COOPER
Oct 15, 2019	Warranty Deed, Transfer · FHA Mortgage ACADEMY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2023
Deed Sale	Jul 20, 2023
Prior Sale	Oct 15, 2019 · Amount on Record
Deed Document Number	20238250
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY MI
Recording Date	Jul 20, 2023
Property Address	605 HORN ST, PINCONNING, MI 48650-8476
Document Number	0000008250
Map Reference	LB 9 PG 37
Instrument Date	Jul 15, 2023
Instrument	202308250
Transaction Type	Transfer
Record Updated	Oct 17, 2023
Title Company	AMROCK INC, AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	247 N MONROE ST, BAY CITY, MI 48708-6439

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 HORN ST, PINCONNING, MI 48650-8476
Investor	Possibly a Property Investor

Mortgage

Document Number	0000008251
Date	Jul 20, 2023
Instrument	202308251

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

January 2021: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY MI
Property Address	605 HORN ST, PINCONNING, MI 48650-8476
Document Number	0000001162
Instrument Date	Jan 1, 2021
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3305 S SENMOR MAIRA MI 48637, MAIRA, MI 48637

Mortgage

Document Number	0000001162
Date	Jan 21, 2021
Instrument	1162

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2051

Interest

Rate	2.75%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Oct 15, 2019
Property Address	605 HORN ST, PINCONNING, MI 48650-8476
Document Number	0000014094
Instrument Date	Oct 11, 2019
Instrument	14094
Transaction Type	Transfer
Record Updated	Apr 20, 2021
Title Company	DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$989.00
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	5192 ARENAC STATE RD STANDISH MI 486589792, STANDISH, MI 48658-9792

Mortgage

Document Number	14095
Date	Oct 15, 2019
Instrument	14095

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2049

Tax Assessment & Valuation

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,096.00 (+16.17%) Homeowner's exemption	$82,700 (+38.99%)	$165,400 (+38.99%)
2023		$59,500	$119,000
2022	$2,665.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 17, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 95% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PINCONNING serves 1,204 people · EPA ID MI0005330
Water Source	Purchased surface water from BAY AREA WATER SYSTEM
Last State Inspection	Apr 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Point Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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