709 Horn St, Pinconning, MI 48650 Property Records

Bay County property record for 709 Horn St, Pinconning, MI 48650

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,084 sqft · built 1980
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jun 2026)
Tax Bill	$3,186 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`180-W05-000-010-00`

Property Details

APN / Parcel Number

Primary APN	`180-W05-000-010-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,084 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	572 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	588 ft deep x 74 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	709 HORN ST
City	PINCONNING
State	MI
Zip	48650-8476
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 WILLOW BROOK SUBDIVISION, L9/P37 BCR
Legal Subdivision	WILLOW BROOK SUBDIVISION
Legal Lot Number	10
Jurisdiction	BAY MI
Township / Civil Division	PINCONNING
Census Block Group	1
Census Block	1026
Census Tract	286300

Owner

Source: Bay County records, as of June 16, 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	1521 WYLLYS ST, MIDLAND, MI 48642-4725
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Warranty Deed, Transfer · Conventional Mortgage STAUNTON FINANCIAL INC
Sep 1, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED BAY CMNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2026 · Amount on Record
Deed Sale	Jun 3, 2026 · Amount on Record
Prior Sale	Sep 1, 2020 · Amount on Record
Deed Document Number	20267478
Prior Transfer Date	Mar 20, 2013
Prior Transfer Doc	0029490181
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jun 3, 2026
Property Address	709 HORN ST, PINCONNING, MI 48650-8476
Document Number	0000007478
Instrument Date	Jun 1, 2026
Instrument	20267478
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	MIDLAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$151,500.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1521 WYLLYS ST, MIDLAND, MI 48642-4725

Mortgage

Document Number	0000007479,
Date	Jun 3, 2026
Instrument	20267479

Lender

Name	STAUNTON FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Sep 1, 2020
Property Address	709 HORN ST, PINCONNING, MI 48650-8476
Document Number	0000012118
Instrument Date	Aug 28, 2020
Instrument	12118
Transaction Type	Transfer
Record Updated	Feb 4, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4166 N MACKINAW RD PINCONNING MI 486508435, PINCONNING, MI 48650-8435

Mortgage

Document Number	12119
Date	Sep 1, 2020
Instrument	12119

Lender

Name	UNITED BAY CMNTY CU
Type	Credit Union
Address	BAY CITY, MI 48708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2050

Tax Assessment & Valuation

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	$3,186.00 (+36.56%) Homeowner's exemption	$77,500 (+8.39%)	$155,000 (+8.39%)
2025	$2,333.00 (-17.56%) Homeowner's exemption	$71,500 (+25%)	$143,000 (+25%)
2023		$57,200	$114,400
2022	$2,830.00

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

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

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

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