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

Bay County property record for 107 E Gary St, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,386 sqft · built 1948
Lot Size	0.231 acres (10,062 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Jul 2024)
Tax Bill	$4,207 (2026)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Jun 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`160-017-253-008-00`

Property Details

APN / Parcel Number

Primary APN	`160-017-253-008-00`
Alternative APN	`0913001725300800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,386 sqft Living Area
1st Floor Area	924 sqft
Basement Area	924 sqft
Unfinished Basement	924 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
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	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	36 sqft
Patio Area	672 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	107 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 250.5 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
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	1
Census Block	1003
Census Tract	286600

Owner

107 E Gary St is owned and occupied by an individual who bought it in July 2024.

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

Owner of Record	Individual Name on File
Mailing Address	107 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
Jul 11, 2024	Warranty Deed, Transfer · VA Mortgage FIFTH THIRD BANK NA
Jun 15, 2022	Fiduciary Deed, Transfer
Jun 15, 2022	Intrafamily Transfer, Transfer
Jun 15, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2024 · Amount on File
Deed Sale	Jul 11, 2024 · Amount on File
Prior Sale	Jun 15, 2022 · Amount on File
Deed Document Number	20248233
Prior Transfer Date	Apr 15, 2019
Prior Transfer Doc	0000008945
Record Updated	Sep 20, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jul 11, 2024
Property Address	107 E GARY ST, BAY CITY, MI 48706-3554
Document Number	0000008233
Instrument Date	Jul 3, 2024
Instrument	202408233
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	CRISLO TITLE COMPANY, CISLO TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 E GARY ST, BAY CITY, MI 48706-3554

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 S CHOLLA ST, GILBERT, AZ 85233-6405

Mortgage

Document Number	0000008041
Date	Jul 11, 2024
Instrument	202408041

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2054

June 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	BAY MI
Recording Date	Jun 15, 2022
Property Address	107 E GARY ST, BAY CITY, MI 48706-3554
Document Number	0000008949
Instrument Date	Jun 10, 2022
Instrument	202208949
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Amount	Amount on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7578 PARADISE DR, GRAND BLANC, MI 48439-8598

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 E GARY ST, BAY CITY, MI 48706-3554

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY MI
Recording Date	Jun 15, 2022
Property Address	107 E GARY ST, BAY CITY, MI 48706-3554
Document Number	0000008945
Instrument Date	Apr 15, 2022
Instrument	202208945
Transaction Type	Transfer
Record Updated	Jul 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 E GARY ST, 107, BAY CITY, MI 48706-3554

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 E GARY ST, BAY CITY, MI 48706-3554

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY MI
Recording Date	Jun 15, 2022
Property Address	107 E GARY ST, BAY CITY, MI 48706-3554
Document Number	0000008946
Instrument Date	Apr 15, 2022
Instrument	202208946
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 E GARY ST, BAY CITY, MI 48706-3554

Tax Assessment & Valuation

The 2026 property tax bill for 107 E Gary St was $4,207 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	$4,207.00 Homeowner's exemption	$95,500	$191,000
2023		$63,400	$126,800
2022	$1,739.00

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

FEMA maps place 107 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 107 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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