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

Bay County property record for 105 E Gary St, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,064 sqft · built 1953
Lot Size	0.231 acres (10,062 sqft)
Owner	Individual Name on File
Tax Bill	$1,796 (2026)
Deeds & Mortgages	May 2025 Second Mortgage Feb 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`160-017-253-007-00`

Property Details

APN / Parcel Number

Primary APN	`160-017-253-007-00`
Alternative APN	`0913001725300700`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	10,062 sqft (0.231 acres)
Lot Dimensions	150 ft deep x 67 ft wide
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	68 sqft
Patio Area	784 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	105 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 183 FT E & 220 FT N OF SW COR OF SW 1/4 OF NE 1/4 TH N 150 FT TH E 67.5 FT TH S 150 FT TH W 67.5 FT TO BEG SEC 17 T14NR5E
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	1
Census Block	1003
Census Tract	286600

Owner

105 E Gary St is owned and occupied by an individual who acquired it in February 2020.

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

Owner of Record	Individual Name on File
Mailing Address	105 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
May 16, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREAT LAKES FCU
Feb 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 1998
Deed Sale	Nov 17, 1998
Deed Book / Page	1574 / 311
Last Transfer Date	Feb 24, 2020
Transfer Doc	202002424
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	105 E GARY ST, BAY CITY, MI 48706-3554
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 E GARY ST, BAY CITY, MI 48706-3554

Mortgage

Document Number	0000006392
Date	May 16, 2025
Instrument	202506392

Lender

Name	GREAT LAKES FCU
Type	Credit Union
Address	BAY CITY, MI 48708

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	122 Months
Due	Jul 1, 2035

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Feb 24, 2020
Property Address	105 E GARY ST, BAY CITY, MI 48706-3554
Document Number	0000002424
Instrument Date	Feb 24, 2020
Instrument	2424
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 ROBERTS ST AUBURN MI 486119429, AUBURN, MI 48611-9429

Tax Assessment & Valuation

The 2026 property tax bill for 105 E Gary St was $1,796 with a homeowner's exemption, up 21.4% from the year before.

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	$1,796.00 (+21.43%) Homeowner's exemption	$66,750 (+6.71%)	$133,500 (+6.71%)
2025	$1,479.00 Homeowner's exemption	$62,550	$125,100
2023		$46,250	$92,500
2022	$1,569.00

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

Flood

FEMA maps place 105 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 105 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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