Bay County property record for 108 High St, Bay City, MI 48708
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,044 sqft · built 1940 |
| Lot Size | 0.211 acres (9,191 sqft) |
| Owner | Individual Name on File |
| Last Sale | $101,800 (May 2022) |
| Tax Bill | $2,339 (2026) |
| Deeds & Mortgages | Sep 2020 Line of Credit May 2022 Sale & Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-004-103-008-00 |
| Primary APN | 160-004-103-008-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,044 sqft Living Area |
| 1st Floor Area | 1,044 sqft |
| Basement Area | 1,044 sqft |
| Unfinished Basement | 1,044 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 9,191 sqft (0.211 acres) |
| Lot Dimensions | 100 ft deep x 92 ft wide |
| Garage Area | 374 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 340 sqft |
| Patio Area | 768 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 108 HIGH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48708-8610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 DUPLEX |
| Legal Description | S 42 FT LOT 3 & ENT LOT 4 BLK 2 REPLAT BLKS 1,2,9,11,12,13,14,16 & S 1/2 BLK 4 EDWARD INGRAHAMS ADD TO VILL OF PORTSMOUTH |
| Legal Subdivision | EDWARD INGRAHAMS ADD |
| Legal Block | 2,4 |
| Legal Lot Number | 3-4 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 280900 |
108 High St is owned and occupied by an individual who bought it in May 2022.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 HIGH ST, BAY CITY, MI 48708-8610 |
| 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 |
|---|---|
| Sep 8, 2020 | Deed of Trust, Mortgage · Line of Credit CONSUMERS CU |
| May 23, 2022 | Warranty Deed, Transfer · Conventional Mortgage FRANKENMUTH CU |
| Jan 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU |
| May 14, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| May 14, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| May 31, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| May 1, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Jun 27, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 23, 2022 · Amount on File |
| Deed Sale | May 23, 2022 · Amount on File |
| Prior Sale | May 14, 2019 · Amount on File |
| Deed Document Number | 20227973 |
| Prior Transfer Date | Apr 14, 2011 |
| Prior Transfer Doc | 2801000452 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 108 HIGH ST, BAY CITY, MI 48708-8610 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000012462 |
|---|---|
| Date | Sep 8, 2020 |
| Instrument | 202012462 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | May 23, 2022 |
| Property Address | 108 HIGH ST, BAY CITY, MI 48708-8610 |
| Document Number | 0000007973 |
| Map Reference | LB 2 PG 44 |
| Instrument Date | May 20, 2022 |
| Instrument | 202207973 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Title Company | MICHIGAN SHORES TITLE AGENCY, MICHIGAN MOVES TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $765.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 108 HIGH ST, BAY CITY, MI 48708-8610 |
| Name | Verified Name |
|---|---|
| Address | 3171 EASTSHORE DR, BAY CITY, MI 48706-5366 |
| Document Number | 0000007974 |
|---|---|
| Date | May 23, 2022 |
| Instrument | 202207974 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 108 HIGH ST, BAY CITY, MI 48708-8610 |
| Document Number | 0000002034 |
| Instrument Date | Jan 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 108 HIGH ST BAY CITY MI 487088610, BAY CITY, MI 48708-8610 |
| Document Number | 0000002034 |
|---|---|
| Date | Feb 14, 2020 |
| Instrument | 2034 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Address | OSHTEMO, MI 49077-0525 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 13, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | May 14, 2019 |
| Property Address | 108 HIGH ST, BAY CITY, MI 48708-8610 |
| Document Number | 0000007052 |
| Instrument Date | May 13, 2019 |
| Instrument | 7052 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $430.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3590 CENTER AVE ESSEXVILLE MI 487321760, ESSEXVILLE, MI 48732-1760 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | May 14, 2019 |
| Property Address | 108 HIGH ST, BAY CITY, MI 48708-8610 |
| Document Number | 0000007051 |
| Instrument Date | May 6, 2019 |
| Instrument | 7051 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $429.14 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2052 CASS AVENUE RD BAY CITY MI 487089111, BAY CITY, MI 48708-9111 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | May 31, 2018 |
| Property Address | 108 HIGH ST, BAY CITY, MI 48708-8610 |
| Document Number | 0000007870 |
| Instrument Date | May 4, 2018 |
| Instrument | 7870 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 241 E SAGINAW HWY EAST LANSING MI 48826, EAST LANSING, MI 48826 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | May 1, 2019 |
| Property Address | 108 HIGH ST, BAY CITY, MI 48708-8610 |
| Document Number | 0000006437 |
| Instrument Date | Sep 30, 2017 |
| Instrument | 6437 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $429.14 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9806 ASHARD RD LAKE MI 486329124, LAKE, MI 48632-9124 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jun 27, 2017 |
| Property Address | 108 HIGH ST, BAY CITY, MI 48708-8610 |
| Document Number | 0032240550 |
| Book / Page | 003224 / 000550 |
| Instrument Date | Jun 2, 2017 |
| Instrument | 14616 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 25, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $216.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2712 FKLU MI, MI |
The 2026 property tax bill for 108 High St was $2,339 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| Municipality | Bay City |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,339.00 Homeowner's exemption | $66,000 | $132,000 |
| 2023 | $46,250 | $92,500 | |
| 2022 | $1,540.00 |
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.
FEMA maps place 108 High 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.
The area around 108 High St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 646 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless · DSL in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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