1017 Harrison St, Bay City, MI 48708 Property Records

Bay County property record for 1017 Harrison St, Bay City, MI 48708

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 877 sqft · built 1870
Lot Size	0.207 acres (9,017 sqft)
Owner	2 Individual Names on File
Last Sale	$73,700 (Jul 2025)
Tax Bill	$1,659 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Jul 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`160-005-276-004-00`

Property Details

APN / Parcel Number

Primary APN	`160-005-276-004-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	877 sqft Living Area
1st Floor Area	641 sqft
Basement Area	641 sqft
Unfinished Basement	641 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Traditional
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	9,017 sqft (0.207 acres)
Lot Dimensions	180 ft deep x 50 ft wide
Porch	Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	1017 HARRISON ST
City	BAY CITY
State	MI
Zip	48708-8273
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2 DUPLEX
Legal Description	LOTS 9 & 10 BLK 2 J F MARSACS ADD
Legal Subdivision	MARSACS ADD
Legal Block	2
Legal Lot Number	9-10
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	2
Census Block	2011
Census Tract	280900

Owner

1017 Harrison St is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3799 STATE STREET RD, 343, BAY CITY, MI 48706-2182
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 28, 2021	Deed of Trust, Mortgage · Commercial Mortgage FRANKENMUTH CU
Jul 24, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MICHIGAN STATE HOUSING DEV AUTHORITY
Jul 24, 2025	Warranty Deed, Transfer · FHA Mortgage MAGNOLIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2025 · Amount on File
Deed Sale	Jul 24, 2025 · Amount on File
Prior Sale	Jan 25, 2008 · Amount on File
Deed Document Number	20259138
Prior Transfer Date	Aug 1, 2013
Prior Transfer Doc	0029950618
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	1017 HARRISON ST, BAY CITY, MI 48708-8273
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021345
Date	Dec 28, 2021
Instrument	202121345

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	1017 HARRISON ST, BAY CITY, MI 48708-8273
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1017 HARRISON ST, BAY CITY, MI 48708-8273

Mortgage

Document Number	0000009140
Date	Jul 24, 2025
Instrument	202509140

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jul 24, 2025
Property Address	1017 HARRISON ST, BAY CITY, MI 48708-8273
Document Number	0000009138
Map Reference	LB 2 PG 22
Instrument Date	Jul 17, 2025
Instrument	202509138
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	SAGINAW BAY AREA TITLE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7707 WINDING CREEK CT, MIDLAND, MI 48642-8011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3799 STATE STREET RD APT 343, 343, BAY CITY, MI 48706-2182

Mortgage

Document Number	0000009139
Date	Jul 24, 2025
Instrument	202509139

Lender

Name	MAGNOLIA BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 1017 Harrison St was $1,659 with a homeowner's exemption.

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	$1,659.00 Homeowner's exemption	$33,550 (+24.95%)	$67,100 (+24.95%)
2025		$26,850	$53,700
2024	$1,423.00
2023		$21,150	$42,300
2022	$1,468.00

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

FEMA maps place 1017 Harrison St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1996–1997)
Most Recent Claim	Feb 1997 · river or lake flooding

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

The area around 1017 Harrison St has no burnable land within ember reach, so its wildfire risk is not rated.

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 302 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

May also be available: Verizon.

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