101 E Gary St, Bay City, MI 48706 Property Records

Bay County property record for 101 E Gary St, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,527 sqft · built 1961
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on File
Tax Bill	$2,593 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160-017-253-005-00`

Property Details

APN / Parcel Number

Primary APN	`160-017-253-005-00`
Alternative APN	`0913001725300500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Building Area	1,527 sqft Living Area
1st Floor Area	1,527 sqft
Basement Area	1,296 sqft
Unfinished Basement	1,527 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	30 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	101 E GARY ST
City	BAY CITY
State	MI
Zip	48706-3554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	COM 220 FT N & 33 FT E OF SW COR OF SW 1/4 OF NE 1/4 TH N 150 FT TH E 75 FT TH S 150 FT TH W 75 FT TO BEG SEC 17 T14N R5E
Legal Range	05E
Legal Township	14N
Legal Section	17
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	1
Census Block	1003
Census Tract	286600

Owner

101 E Gary St is owned and occupied by an individual who acquired it in December 2020.

Source: Bay County records, as of May 18, 2026

Owner of Record	Individual Name on File
Mailing Address	101 E GARY ST, BAY CITY, MI 48706-3554
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2020	Quit Claim Deed, Transfer · VA Mortgage NEWREZ LLC
Mar 21, 2018	Warranty Deed, Transfer · VA Mortgage ACADEMY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2020
Deed Sale	Dec 30, 2020
Prior Sale	Mar 21, 2018 · Amount on File
Deed Document Number	202018831
Prior Transfer Date	Oct 24, 2020
Prior Transfer Doc	202018831
Record Updated	Oct 29, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Dec 30, 2020
Property Address	101 E GARY ST, BAY CITY, MI 48706-3554
Document Number	0000018831
Instrument Date	Dec 4, 2020
Instrument	18831
Transaction Type	Transfer
Record Updated	Jan 18, 2021
Title Company	AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	101 E GARY ST BAY CITY MI 487063554, BAY CITY, MI 48706-3554

Mortgage

Document Number	18832
Date	Dec 30, 2020
Instrument	18832

Lender

Name	NEWREZ LLC
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 29, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Mar 21, 2018
Property Address	101 E GARY ST, BAY CITY, MI 48706-3554
Document Number	0000003246
Instrument Date	Mar 20, 2018
Instrument	3246
Transaction Type	Transfer
Record Updated	Apr 16, 2018
Title Company	LAND TITLE AND ABSTRACT INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$911.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 N HENRY ST #1 BAY CITY MI 487064747, 1, BAY CITY, MI 48706-4747

Mortgage

Document Number	3247
Date	Mar 21, 2018
Instrument	3247

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 20, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 101 E Gary St was $2,593 with a homeowner's exemption, up 21.5% from the year before.

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	$2,593.00 (+21.45%) Homeowner's exemption	$82,850 (+6.42%)	$165,700 (+6.42%)
2025	$2,135.00 Homeowner's exemption	$77,850	$155,700
2023		$57,950	$115,900
2022	$2,266.00

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

Flood

FEMA maps place 101 E Gary St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 17, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 101 E Gary St 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 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 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 458 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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