646 W Munger Rd, Munger, MI 48747 Property Records

Bay County property record for 646 W Munger Rd, Munger, MI 48747 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,416 sqft · built 1957
Lot Size	0.85 acres (37,026 sqft)
Owner	Individual Name on File
Last Sale	$139,900 (Mar 2018)
Tax Bill	$2,461 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`090-018-400-080-03`

Property Details

APN / Parcel Number

Primary APN	`090-018-400-080-03`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,416 sqft Living Area
1st Floor Area	1,416 sqft
Basement Area	1,416 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	37,026 sqft (0.85 acres)
Lot Dimensions	217 ft deep x 148 ft wide
Garage Area	895 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	646 W MUNGER RD
City	MUNGER
State	MI
Zip	48747-9770
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG ON S SEC LN E 656.72 FT FROM S 1/4 COR SEC 18, TH N61?43'00"W 0.40 FT, TH N0?53'15"W 249.81 FT, TH E 148.61 FT, TH
Jurisdiction	BAY MI
Township / Civil Division	MERRITT
Census Block Group	4
Census Block	4042
Census Tract	285300

Owner

Source: Bay County records · APN 090-018-400-080-03

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	646 W MUNGER RD, MUNGER, MI 48747-9770
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Mar 23, 2018	Grant Deed, Transfer · Conventional Mortgage LAKE MI CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 23, 2018 · Amount on Record
Deed Sale	Mar 23, 2018 · Amount on Record
Deed Document Number	20183397
Record Updated	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	646 W MUNGER RD, MUNGER, MI 48747-9770
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202110964
Date	Jun 22, 2021
Instrument	202110964

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 01, 2036

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY MI
Recording Date	Mar 23, 2018
Property Address	646 W MUNGER RD, MUNGER, MI 48747-9770
Document Number	0000003397
Instrument Date	Mar 15, 2018
Instrument	3397
Transaction Type	Transfer
Record Updated	May 20, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,203.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 NYLON ST SAGINAW MI 486042124, SAGINAW, MI 48604-2124
Investor	Possibly a Property Investor

Mortgage

Document Number	3398
Date	Mar 23, 2018
Instrument	3398

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2048

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	Merritt Township
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,461.00 (+31.04%) Homeowner's exemption	$100,200 (+33.16%)	$200,400 (+33.16%)
2023		$75,250	$150,500
2022	$1,878.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (26017C), updated February 17, 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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 26 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fixed Wireless	100 / 20
Verizon	Fixed Wireless	25 / 6
TDS Telecom	DSL	25 / 5
Air Advantage	Fixed Wireless (licensed-by-rule)	10 / 1
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Skyweb Networks. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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