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

Bay County property record for 103 E Gary St, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,041 sqft · built 1956
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Oct 1996)
Tax Bill	$1,807 (2026)
Deeds & Mortgages	Jun 2024 Mortgage Oct 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`160-017-253-006-00`

Property Details

APN / Parcel Number

Primary APN	`160-017-253-006-00`
Alternative APN	`0913001725300600`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,041 sqft Living Area
1st Floor Area	1,015 sqft
Basement Area	1,015 sqft
Unfinished Basement	1,015 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
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	927 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	36 sqft
Patio Area	576 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	103 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 & 108 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

103 E Gary St is owned and occupied by an individual who acquired it in June 2024.

Source: Bay County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	103 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
Jun 28, 2024	Intrafamily Transfer, Transfer · Conventional Mortgage CASON HOME LOANS
Oct 24, 2022	Quit Claim Deed, Transfer Quitclaim
May 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED BAY COMMUNITY CU
Jan 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED BAY CMNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 1996 · Amount on File
Deed Sale	Oct 31, 1996 · Amount on File
Deed Book / Page	1431 / 442
Last Transfer Date	Jun 20, 2024
Transfer Doc	0000007770
Record Updated	Oct 29, 2026

June 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY MI
Recording Date	Jun 28, 2024
Property Address	103 E GARY ST, BAY CITY, MI 48706-3554
Document Number	0000007770
Instrument Date	Jun 20, 2024
Instrument	202407770
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	CISLO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 E GARY ST, BAY CITY, MI 48706-3554

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E GARY ST, BAY CITY, MI 48706-3554

Mortgage

Document Number	0000007771
Date	Jun 28, 2024
Instrument	202407771

Lender

Name	CASON HOME LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2044

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Oct 24, 2022
Property Address	103 E GARY ST, BAY CITY, MI 48706-3554
Document Number	0000014871
Instrument Date	Apr 28, 2022
Instrument	202214871
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 E GARY ST, BAY CITY, MI 48706-3554

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	103 E GARY ST, BAY CITY, MI 48706-3554
Transaction Type	Mortgage
Record Updated	Jul 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032170911
Date	May 19, 2017
Book Page	3217/911

Lender

Name	UNITED BAY COMMUNITY CU
Type	Credit Union
Address	BAY CITY, MI 48707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2032

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	103 E GARY ST, BAY CITY, MI 48706-3554
Document Number	0000001442
Instrument Date	Jan 30, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E GARY ST BAY CITY MI 487063554, BAY CITY, MI 48706-3554

Mortgage

Document Number	0000001442
Date	Feb 5, 2018
Instrument	1442

Lender

Name	UNITED BAY CMNTY CU
Type	Credit Union
Address	BAY CITY, MI 48708

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 4, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 103 E Gary St was $1,807 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	$1,807.00 Homeowner's exemption	$67,800	$135,600
2023		$47,850	$95,700
2022	$1,579.00

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

Flood

FEMA maps place 103 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 103 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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