Bay County property record for 1048 Pine Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,152 sqft |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $38,000 (Feb 2022) |
| Tax Bill | $1,929 (2026) |
| Deeds & Mortgages | Feb 2022 Sale Jun 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 010-003-100-045-00 |
| Primary APN | 010-003-100-045-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Architectural Style | Ranch |
|---|---|
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 100 ft deep x 80 ft wide |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 1048 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 813.20 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 80 FT, TH S 34DW 100 FT, TH |
| Legal Lot Number | 2 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 285900 |
1048 Pine Rd is owned and occupied by an individual who bought it in February 2022.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1048 PINE RD, BAY CITY, MI 48706-1948 |
| 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.
| Date | Document |
|---|---|
| Feb 8, 2022 | Warranty Deed, Transfer |
| Jun 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BAY CNTY ENVIRONMENTAL AFFAIRS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 8, 2022 · Amount on File |
| Deed Sale | Feb 8, 2022 · Amount on File |
| Prior Sale | Jan 23, 1997 |
| Deed Document Number | 20222044 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Feb 8, 2022 |
| Property Address | 1048 PINE RD, BAY CITY, MI 48706-1948 |
| Document Number | 0000002044 |
| Instrument Date | Jan 18, 2022 |
| Instrument | 202202044 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $285.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1016 TUSCANY DR, 1016, ANDERSON, SC 29621-4310 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1048 PINE RD, BAY CITY, MI 48706-1948 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 1048 PINE RD, BAY CITY, MI 48706-1948 |
| Document Number | 0000009476 |
| Instrument Date | Jun 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1016 TUSCANY DR ANDERSON SC 296214310, ANDERSON, SC 29621-4310 |
| Document Number | 0000009476 |
|---|---|
| Date | Jul 8, 2019 |
| Instrument | 9476 |
| Name | BAY CNTY ENVIRONMENTAL AFFAIRS |
|---|---|
| Address | 515 CENTER AVE # 501, BAY CITY, MI 48708-5941 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 7, 2029 |
The 2026 property tax bill for 1048 Pine Rd was $1,929 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Bangor Charter Township |
| Unified School District | Bangor Township Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,929.00 Homeowner's exemption | $74,500 | $149,000 |
| 2023 | $56,950 | $113,900 | |
| 2022 | $1,592.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1048 Pine Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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 |
|
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 risk around 1048 Pine Rd 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 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.
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 |
| 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.
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 |
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