612 Horn St, Pinconning, MI 48650 Property Records

Bay County property record for 612 Horn St, Pinconning, MI 48650

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 928 sqft · built 1935
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$126,000 (Apr 2025)
Tax Bill	$4,423 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`180-022-100-140-00`

Property Details

APN / Parcel Number

Primary APN	`180-022-100-140-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	928 sqft Living Area
1st Floor Area	928 sqft
Basement Area	928 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Lot Area	47,916 sqft (1.1 acres)
Lot Dimensions	602 ft deep x 156 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	612 HORN ST
City	PINCONNING
State	MI
Zip	48650-8476
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 537 FT W OF INTER OF W LI US-23 & S LI OF S 1/2 OF SE 1/4 OF NE 1/4 TH W 156 FT TH N 301 FT TH E 158 FT TH SLY 301 FT TO
Legal Range	04E
Legal Township	17N
Legal Section	22
Jurisdiction	BAY MI
Township / Civil Division	PINCONNING
Census Block Group	1
Census Block	1026
Census Tract	286300

Owner

612 Horn St is owned by two individuals who bought it in April 2025.

Source: Bay County records, as of August 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7180 RANGER RD, WHITTEMORE, MI 48770-9712
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 1, 2023	Warranty Deed, Transfer · Conventional Mortgage SWIFT HOME LOANS INC
Jun 17, 2019	Warranty Deed, Transfer · Conventional with PMI CHEMICAL BK
Mar 15, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2025 · Amount on File
Deed Sale	Apr 9, 2025 · Amount on File
Prior Sale	Dec 1, 2023 · Amount on File
Deed Document Number	20254886
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Recording Date	Aug 14, 2026
Property Address	612 HORN ST, PINCONNING, MI 48650-8476
Document Number	0000010695
Instrument Date	Aug 10, 2026
Instrument	202610695
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 HORN ST, PINCONNING, MI 48650-8476

Mortgage

Document Number	0000010695,
Date	Aug 14, 2026
Instrument	202610695

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Dec 1, 2023
Property Address	612 HORN ST, PINCONNING, MI 48650-8476
Document Number	0000013164
Instrument Date	Nov 16, 2023
Instrument	202313164
Transaction Type	Transfer
Record Updated	Dec 20, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$765.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	612 HORN ST, PINCONNING, MI 48650-8476

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 HORN ST, PINCONNING, MI 48650-8476
Investor	Possibly a Property Investor

Mortgage

Document Number	0000013165
Date	Dec 1, 2023
Instrument	202313165

Lender

Name	SWIFT HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jun 17, 2019
Property Address	612 HORN ST, PINCONNING, MI 48650-8476
Document Number	0000008586
Instrument Date	Jun 12, 2019
Instrument	8586
Transaction Type	Transfer
Record Updated	Jul 12, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$601.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5731 MOGG RD PRESCOTT MI 487569615, PRESCOTT, MI 48756-9615

Mortgage

Document Number	8587
Date	Jun 17, 2019
Instrument	8587

Lender

Name	CHEMICAL BK
Type	Bank
Address	WYOMING, MI 49519

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2049

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Mar 15, 2017
Property Address	612 HORN ST, PINCONNING, MI 48650-8476
Document Number	0032040587
Book / Page	003204 / 000587
Instrument Date	Mar 3, 2017
Transaction Type	Transfer
Record Updated	May 8, 2017

Transaction

Amount	Amount on Record
Tax	$497.00
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	3307 SMU CT ORLANDO FL 328172518, ORLANDO, FL 32817-2518

Tax Assessment & Valuation

The 2026 property tax bill for 612 Horn St was $4,423.

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	$4,423.00	$74,000 (+11.78%)	$148,000 (+11.78%)
2025		$66,200	$132,400
2024	$4,645.00
2023		$52,600	$105,200
2022	$1,659.00

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

FEMA maps place 612 Horn St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 612 Horn St 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 97% of the US · lower than 93% 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

Nearby Properties on Horn St

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