Bay County property record for 646 W River Rd, Kawkawlin, MI 48631 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,128 sqft · built 1994 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $59,400 (Oct 1996) |
| Tax Bill | $1,947 (2022) |
| Deeds & Mortgages | Sep 2023 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 020-014-400-050-01 |
| Primary APN | 020-014-400-050-01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,128 sqft Living Area |
| 1st Floor Area | 1,128 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Width | 150 ft Width |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Utility Building | 1,200 sqft |
| Sauna | Sauna |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 646 W RIVER RD |
|---|---|
| City | KAWKAWLIN |
| State | MI |
| Zip | 48631-9775 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 290 FT OF E 150 FT OF SW 1/4 OF SE 1/4 SEC 14 T15N R3E 6-16-76 |
| Legal Range | 03E |
| Legal Township | 15N |
| Legal Section | 14 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BEAVER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 286101 |
Source: Bay County records · APN 020-014-400-050-01
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 646 W RIVER RD, KAWKAWLIN, MI 48631-9775 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 03, 1996 · Amount on Record |
| Deed Sale | Oct 03, 1996 · Amount on Record |
| Deed Book / Page | 1427 / 906 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 646 W RIVER RD, KAWKAWLIN, MI 48631-9775 |
| Transaction Type | Mortgage |
| Record Updated | Oct 04, 2023 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 646 W RIVER RD, KAWKAWLIN, MI 48631-9775 |
| Document Number | 0000010497 |
|---|---|
| Date | Sep 19, 2023 |
| Instrument | 202310497 |
| Name | FINANCIAL PLUS CU |
|---|---|
| Type | Credit Union |
| Address | FLINT, MI 48507 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2038 |
Source: Bay County records · Assessment roll updated May 18, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Beaver Township |
| Unified School District | Bay City School District (PK - 12) |
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 | Homeowner's exemption | $97,700 (+38.39%) | $195,400 (+38.39%) |
| 2023 | $70,600 | $141,200 | |
| 2022 | $1,947.00 |
Source: FEMA National Flood Hazard Layer, Bay County (26017C), updated February 17, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260172861013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 2 in force |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
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