Bay County property record for 735 River Rd, Auburn, MI 48611
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,625 sqft · built 1999 |
| Lot Size | 10 acres (437,342 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Nov 2013) |
| Tax Bill | $3,576 (2022) |
| Deeds & Mortgages | Jul 2026 Line of Credit Aug 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 020-023-100-017-00 |
| Primary APN | 020-023-100-017-00 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,625 sqft Living Area |
| 1st Floor Area | 1,625 sqft |
| Basement Area | 1,625 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | A-Frame |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 437,342 sqft (10 acres) |
| Lot Dimensions | 2,602 ft deep x 166 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| 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 | 735 RIVER RD |
|---|---|
| City | AUBURN |
| State | MI |
| Zip | 48611-9759 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM 2476 FT E OF NW COR OF SEC TH E 166 FT TH S 2635.51 FT TH W 166 FT TH N 2635.28 FT TO BEG. SEC.23,T15N,R3E 5-25-79 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BEAVER |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 286101 |
735 River Rd is owned and occupied by an individual who bought it in November 2013.
Source: Bay County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 735 RIVER RD, AUBURN, MI 48611-9759 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 24, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Aug 29, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2013 · Amount on File |
| Deed Sale | Nov 5, 2013 · Amount on File |
| Prior Sale | Mar 22, 1999 · Amount on File |
| Deed Book / Page | 2999 / 493 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jul 24, 2026 |
| Property Address | 735 RIVER RD, AUBURN, MI 48611-9759 |
| Document Number | 0000009756 |
| Instrument Date | Jul 1, 2026 |
| Instrument | 20269756 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 735 RIVER RD, AUBURN, MI 48611-9759 |
| Document Number | 0000009756, |
|---|---|
| Date | Jul 24, 2026 |
| Instrument | 20269756 |
| Name | COASTAL COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 735 RIVER RD, AUBURN, MI 48611-9759 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000009756 |
|---|---|
| Date | Aug 29, 2023 |
| Instrument | 202309756 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 12, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $185,200 | $370,400 |
| 2023 | $125,300 | $250,600 | |
| 2022 | $3,576.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 735 River Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 735 River Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
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