Bay County property record for 655 W River Rd, Kawkawlin, MI 48631
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,056 sqft · built 2003 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $121,600 (Jul 2002) |
| Tax Bill | $1,224 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Aug 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 020-023-200-025-00 |
| Primary APN | 020-023-200-025-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 1,056 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Width | 110 ft Width |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Driveway | Paver Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | Deck Area |
| Sauna | Sauna |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 655 W RIVER RD |
|---|---|
| City | KAWKAWLIN |
| State | MI |
| Zip | 48631-9775 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM 1094 FT E OF N 1/4 COR OF SEC TH E 110 FT TH S 198 FT TH W 110 FT TH N 198 FT TO BEG. SEC 23 T15N R3E 72 |
| Legal Range | 03E |
| Legal Township | 15N |
| Legal Section | 23 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BEAVER |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 286101 |
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 | Trust Name on Record |
|---|---|
| Mailing Address | 655 W RIVER RD, KAWKAWLIN, MI 48631-9775 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 1, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Aug 7, 2023 | Intrafamily Transfer, Transfer |
| Jun 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 19, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 2002 · Amount on Record |
| Deed Sale | Jul 15, 2002 · Amount on Record |
| Deed Book / Page | 1907 / 505 |
| Last Transfer Date | Aug 7, 2023 |
| Transfer Doc | 0000008895 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 655 W RIVER RD, KAWKAWLIN, MI 48631-9775 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000012176 |
|---|---|
| Date | Nov 1, 2023 |
| Instrument | 202312176 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 22, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 7, 2023 |
| Property Address | 655 W RIVER RD, KAWKAWLIN, MI 48631-9775 |
| Document Number | 0000008895 |
| Instrument Date | May 16, 2023 |
| Instrument | 202308895 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 655 W RIVER RD, KAWKAWLIN, MI 48631-9775 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 655 W RIVER RD, KAWKAWLIN, MI 48631-9775 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202111307 |
|---|---|
| Date | Jun 28, 2021 |
| Instrument | 202111307 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 655 W RIVER RD, KAWKAWLIN, MI 48631-9775 |
| Document Number | 0000015080 |
| Instrument Date | Oct 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 655 W RIVER RD KAWKAWLIN MI 486319775, KAWKAWLIN, MI 48631-9775 |
| Document Number | 0000015080 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 15080 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 22, 2035 |
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Beaver Township |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | Homeowner's exemption | $88,700 (+14.75%) | $177,400 (+14.75%) |
| 2025 | $1,224.00 (-33.37%) Homeowner's exemption | $77,300 (+26.72%) | $154,600 (+26.72%) |
| 2023 | $61,000 | $122,000 | |
| 2022 | $1,837.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 89% 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.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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