1046 Pine Rd, Bay City, MI 48706 Property Records

Bay County property record for 1046 Pine Rd, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 568 sqft
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Nov 2022)
Tax Bill	$1,460 (2026)
Deeds & Mortgages	Nov 2022 Sale
Flood Zone	Zone AE (high risk)
APN	`010-003-100-040-00`

Property Details

APN / Parcel Number

Primary APN	`010-003-100-040-00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	568 sqft Living Area
1st Floor Area	568 sqft

Exterior

Architectural Style	Ranch
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1046 PINE RD
City	BAY CITY
State	MI
Zip	48706-1948
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	COM 773.20 FT S 56D E FR PT 1500 FT N & 869.90 FT E OF W 1/4 POST, TH N 34D E 100 FT, TH S 56D E 40 FT, TH 34D W 100 FT, TH N
Legal Range	05E
Legal Township	14N
Legal Section	03
Legal Subdivision	WD FITZHUGHS SUBDIVISION
Legal Lot Number	2
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	1
Census Block	1016
Census Tract	285900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4456 ZIMMER RD, BAY CITY, MI 48706-1838
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2022 · Amount on Record
Deed Sale	Nov 29, 2022 · Amount on Record
Prior Sale	Dec 15, 2017 · Amount on Record
Deed Document Number	202216198
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Nov 29, 2022
Property Address	1046 PINE RD, BAY CITY, MI 48706-1948
Document Number	0000016198
Instrument Date	Nov 21, 2022
Instrument	202216198
Transaction Type	Transfer
Record Updated	Jan 9, 2023
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Tax	$450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1046 PINE RD, BAY CITY, MI 48706-1948

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1046 PINE RD, BAY CITY, MI 48706-1948

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Bangor Charter Township
Unified School District	Bangor Township Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,460.00 (+55.65%)	$27,500 (+34.47%)	$55,000 (+34.47%)
2023		$20,450	$40,900
2022	$938.00

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

Source: FEMA National Flood Hazard Layer, effective February 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	584.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 52 policies
Nearby Flood Policies	52 in force
Nearby Flood Claims	73 (1981–2021)
Claims Outside the SFHA	41 of 73
Most Recent Claim	Sep 2021 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2017 · 4 claims Severe Storms & Flooding, Sep 1986 · 7 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	PINCONNING TOWNSHIP serves 1,479 people · EPA ID MI0005335
Water Source	Purchased surface water from BAY AREA WATER SYSTEM
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023) 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 69 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 · DSL	100 / 20