102 E Arnold St, Bay City, MI 48706 Property Records

Bay County property record for 102 E Arnold St, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,564 sqft · built 1872
Lot Size	0.326 acres (14,201 sqft)
Owner	Individual Name on File
Last Sale	$264,000 (Dec 2023)
Tax Bill	$5,031 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`160-029-253-001-00`

Property Details

APN / Parcel Number

Primary APN	`160-029-253-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,564 sqft Living Area
1st Floor Area	1,179 sqft
Basement Area	1,029 sqft
Unfinished Basement	1,179 sqft

Exterior

Year Built	Built 1872
Effective Year Built	Effective 1930
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	14,201 sqft (0.326 acres)
Lot Dimensions	237 ft deep x 60 ft wide
Garage Area	1,904 sqft
Parking Spaces	7 Parking Spaces
Porch	Porch
Porch Area	179 sqft
Patio Area	448 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	102 E ARNOLD ST
City	BAY CITY
State	MI
Zip	48706-5078
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	LOT 5 & VAC CHANDLER ST ADJ SAME BLK 28 PLAN OF VILL OF SALZBURG
Legal Subdivision	VILLAGE OF SALZBURGH PLAN
Legal Block	28
Legal Lot Number	5
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	2
Census Block	2018
Census Tract	281000

Owner

102 E Arnold St is owned and occupied by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Mailing Address	102 E ARNOLD ST, BAY CITY, MI 48706-5078
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Oct 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 12, 2023	Intrafamily Transfer, Transfer · Balloon Mortgage FRANKENMUTH CU
Dec 11, 2023	Warranty Deed, Transfer TITLE RESOURCE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2023 · Amount on File
Deed Sale	Dec 11, 2023 · Amount on File
Prior Sale	Nov 18, 1994 · Amount on File
Deed Document Number	202313529
Prior Transfer Date	Dec 1, 2023
Prior Transfer Doc	0000013561
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	102 E ARNOLD ST, BAY CITY, MI 48706-5078
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 E ARNOLD ST, BAY CITY, MI 48706-5078

Mortgage

Document Number	0000012915
Date	Oct 14, 2025
Instrument	202512915

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY MI
Recording Date	Dec 12, 2023
Property Address	102 E ARNOLD ST, BAY CITY, MI 48706-5078
Document Number	0000013561
Map Reference	LB 1 PG 82&83
Instrument Date	Dec 1, 2023
Instrument	202313561
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	102 E AMOAID ST, BAY CITY, MI 48706

Mortgage

Document Number	0000013530
Date	Dec 12, 2023
Instrument	202313530

Lender

Name	FRANKENMUTH CU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Dec 11, 2023
Property Address	102 E ARNOLD ST, BAY CITY, MI 48706-5078
Document Number	0000013529
Map Reference	LB 1 PG 82
Instrument Date	Dec 1, 2023
Instrument	202313529
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount on Record
Tax	$1,980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 E ARNOLD ST, BAY CITY, MI 48706-5078

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 E ARNOLD ST, BAY CITY, MI 48706-5078

Tax Assessment & Valuation

The 2026 property tax bill for 102 E Arnold St was $5,031 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	$5,031.00 Homeowner's exemption	$121,100	$242,200
2023		$57,650	$115,300
2022	$1,982.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 102 E Arnold St 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

The area around 102 E Arnold 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 428 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
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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