1004 E Murphy St, Bay City, MI 48706 Property Records

Bay County property record for 1004 E Murphy St, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 975 sqft · built 1979
Lot Size	0.149 acres (6,490 sqft)
Owner	Individual Name on Record
Tax Bill	$1,587 (2026)
Deeds & Mortgages	Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160-016-257-002-00`

Property Details

APN / Parcel Number

Primary APN	`160-016-257-002-00`
Alternative APN	`0913001625700200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	975 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	6,490 sqft (0.149 acres)
Lot Dimensions	100 ft deep x 65 ft wide
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	24 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	1004 E MURPHY ST
City	BAY CITY
State	MI
Zip	48706-3959
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	LOT 3 STERLING SUB
Legal Subdivision	STERLING SUB
Legal Lot Number	3
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	2
Census Block	2002
Census Tract	281300

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	1004 E MURPHY ST, BAY CITY, MI 48706-3959
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 1999
Deed Sale	Dec 6, 1999
Deed Book / Page	1654 / 505
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	1004 E MURPHY ST, BAY CITY, MI 48706-3959
Document Number	0032300483
Book / Page	003230 / 000483
Instrument Date	Jul 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 E MURPHY ST BAY CITY MI 487063959, BAY CITY, MI 48706-3959

Mortgage

Document Number	0032300483
Date	Jul 31, 2017
Book Page	003230/000483

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605-3285

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 30, 2032

Tax Assessment & Valuation

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
Municipality	Bay City
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,587.00 (+14.42%) Homeowner's exemption	$52,950 (+37.53%)	$105,900 (+37.53%)
2023		$38,500	$77,000
2022	$1,387.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	3 in force
Nearby Flood Claims	15 (1981–2017)
Claims Outside the SFHA	5 of 15
Most Recent Claim	Jun 2017 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2017 · 9 claims

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	Not rated no burnable land within 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 BAY CITY serves 32,255 people · EPA ID MI0000470
Water Source	Purchased surface water from BAY AREA WATER SYSTEM
Last State Inspection	Nov 2025
Lead	8 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2024
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 572 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20