647 W Munger Rd, Munger, MI 48747 Property Records

Bay County property record for 647 W Munger Rd, Munger, MI 48747

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,420 sqft · built 1956
Lot Size	0.99 acres (43,124 sqft)
Owner	Individual Name on Record
Last Sale	$153,000 (Dec 2021)
Tax Bill	$2,957 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`090-019-200-190-00`

Property Details

APN / Parcel Number

Primary APN	`090-019-200-190-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,420 sqft Living Area
1st Floor Area	1,420 sqft
Basement Area	1,420 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	43,124 sqft (0.99 acres)
Lot Dimensions	260 ft deep x 165 ft wide
Garage Area	970 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	647 W MUNGER RD
City	MUNGER
State	MI
Zip	48747-9770
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG ON N SEC LN N88?50'W 1647.44 FT FROM NE COR SEC 19, TH CONT N88?50'W 165 FT TH S0?08'20"E 263.8 FT, TH N89?30'40"E 165
Jurisdiction	BAY MI
Township / Civil Division	MERRITT
Census Block Group	5
Census Block	5046
Census Tract	285300

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2021 · Amount on Record
Deed Sale	Dec 13, 2021 · Amount on Record
Prior Sale	May 11, 1988
Deed Document Number	202120639
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Dec 13, 2021
Property Address	647 W MUNGER RD, MUNGER, MI 48747-9770
Document Number	0000020639
Instrument Date	Dec 2, 2021
Instrument	202120639
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	SAGINAW BAY AREA TITLE AGENCY, SAGNIAW BAY AREA TITLE AGENC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,147.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	547 W MUNGER RD, 547, MUNGER, MI 48747-9770

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1119 S GRANT ST, BAY CITY, MI 48708-8015

Mortgage

Document Number	0000020640
Date	Dec 13, 2021
Instrument	202120640

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,957.00 (+24.35%) Homeowner's exemption	$104,950 (+53.1%)	$209,900 (+53.1%)
2023		$68,550	$137,100
2022	$2,378.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
TDS Telecom DSL	25 / 5
Air Advantage Fixed Wireless	10 / 1

May also be available: Skyweb Networks, T-Mobile.

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