103 Andre St, Bay City, MI 48706 Property Records

Bay County property record for 103 Andre St, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,148 sqft · built 1942
Lot Size	0.165 acres (7,187 sqft)
Owner	Individual Name on Record
Last Sale	$109,900 (Jun 2026)
Tax Bill	$1,006 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`030-W10-003-009-00`

Property Details

APN / Parcel Number

Primary APN	`030-W10-003-009-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,148 sqft Living Area
1st Floor Area	1,148 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	316 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 ANDRE ST
City	BAY CITY
State	MI
Zip	48706-5337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RF
Legal Description	LOT 9 BLK 3 WEST SAGINAW, L1/P103 BCR
Legal Subdivision	WEST SAGINAW
Legal Block	3
Legal Lot Number	9
Jurisdiction	BAY MI
Township / Civil Division	FRANKENLUST
Census Block Group	1
Census Block	1035
Census Tract	285400

Owner

Source: Bay County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3876 KAWKAWLIN RIVER DR, BAY CITY, MI 48706
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 11, 2023	Deed, Transfer
Jun 1, 2022	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Prior Sale	Dec 11, 2023 · Amount on Record
Deed Document Number	20268680
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jun 30, 2026
Property Address	103 ANDRE ST, BAY CITY, MI 48706-5337
Document Number	0000008680
Instrument Date	Jun 26, 2026
Instrument	20268680
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$83,249.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008681,
Date	Jun 30, 2026
Instrument	20268681

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BAY MI
Recording Date	Dec 11, 2023
Property Address	103 ANDRE ST, BAY CITY, MI 48706-5337
Document Number	0000013484
Map Reference	LB 1 PG 103
Instrument Date	Dec 5, 2023
Instrument	202313484
Transaction Type	Transfer
Record Updated	Dec 26, 2023

Transaction

Amount	Amount Recorded
Tax	$255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5555 CLEVELAND AVE, COLUMBUS, OH 43231-4048

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1409 LENG ST, BAY CITY, MI 48706-4108

June 2022: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BAY MI
Recording Date	Jun 1, 2022
Property Address	103 ANDRE ST, BAY CITY, MI 48706-5337
Document Number	0000008367
Map Reference	LB 1 PG 103
Instrument Date	May 13, 2022
Instrument	202208367
Transaction Type	Foreclosure
Record Updated	Jul 13, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5555 CLEVELAND AVE, COLUMBUS, OH 43231-4048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Frankenlust Township
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,006.00 (+124.55%)	$17,850 (+24.83%)	$35,700 (+24.83%)
2023		$14,300	$28,600
2022	$448.00

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

Flood

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
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	14 (1983–2021)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Sep 2021 · alluvial fan flooding
Claims by Event	Severe Storms & Flooding, Oct 1986 · 10 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	Low lower than 98% of the US · lower than 95% 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	FRANKENLUST TOWNSHIP serves 3,626 people · EPA ID MI0002410
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Nov 2025
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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