Bay County property record for 1009 E Murphy St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,518 sqft · built 1977 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $110,000 (Apr 2018) |
| Tax Bill | $2,386 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-203-017-00 |
| Primary APN | 160-016-203-017-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,518 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 480 sqft |
| Unfinished Basement | 1,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 100 ft deep x 87 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 361 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 1009 E MURPHY ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3958 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | LOT 80 STERLING SUB |
| Legal Subdivision | STERLING SUBDIVISION |
| Legal Lot Number | 80 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 281300 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1009 E MURPHY ST, BAY CITY, MI 48706-3958 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK |
| Dec 11, 2019 | Deed of Trust, Mortgage · Conventional with PMI INDEPENDENT BK |
| Apr 20, 2018 | Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2018 · Amount on Record |
| Deed Sale | Apr 20, 2018 · Amount on Record |
| Prior Sale | Jan 17, 2014 · Amount on Record |
| Deed Document Number | 20185674 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 1009 E MURPHY ST, BAY CITY, MI 48706-3958 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202104296 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | 202104296 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49525 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 1009 E MURPHY ST, BAY CITY, MI 48706-3958 |
| Document Number | 0000017198 |
| Instrument Date | Dec 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1009 E MURPHY ST BAY CITY MI 487063958, BAY CITY, MI 48706-3958 |
| Document Number | 0000017198 |
|---|---|
| Date | Dec 26, 2019 |
| Instrument | 17198 |
| Name | INDEPENDENT BK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49525 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 25, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Apr 20, 2018 |
| Property Address | 1009 E MURPHY ST, BAY CITY, MI 48706-3958 |
| Document Number | 0000005674 |
| Instrument Date | Apr 6, 2018 |
| Instrument | 5674 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $946.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2231 BULLOCK RD BAY CITY MI 487089654, BAY CITY, MI 48708-9654 |
| Document Number | 5675 |
|---|---|
| Date | Apr 20, 2018 |
| Instrument | 5675 |
| Name | INDEPENDENT BK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49525 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 19, 2048 |
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| Municipality | Bay City |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,386.00 (+14.44%) Homeowner's exemption | $78,950 (+38.39%) | $157,900 (+38.39%) |
| 2023 | $57,050 | $114,100 | |
| 2022 | $2,085.00 |
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 | 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 |
|
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 | 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.
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 |
| 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.
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 |
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