Bay County property record for 109 E Murphy St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,063 sqft · built 1961 |
| Lot Size | 0.542 acres (23,610 sqft) |
| Owner | Individual Name on File |
| Last Sale | $147,500 (Jun 2002) |
| Tax Bill | $2,629 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-102-023-00 |
| Primary APN | 160-016-102-023-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,063 sqft Living Area |
| 1st Floor Area | 1,793 sqft |
| Basement Area | 1,168 sqft |
| Unfinished Basement | 1,168 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 23,610 sqft (0.542 acres) |
| Lot Dimensions | 236 ft deep x 100 ft wide |
| Porch | Porch |
| Porch Area | 202 sqft |
| Patio Area | 4,416 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 109 E MURPHY ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3847 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | COM 195 FT E & 25 FT N OF SW COR OF NW 1/4 OF NW 1/4 TH E 100 FT TH N 236.5 FT TH W 100 FT TH S 236.5 FT TO POB SEC 16 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 281300 |
109 E Murphy St is owned and occupied by an individual who bought it in June 2002.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 E MURPHY ST, BAY CITY, MI 48706-3847 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 2002 · Amount on File |
| Deed Sale | Jun 26, 2002 · Amount on File |
| Deed Book / Page | 1903 / 882 |
| Record Updated | Jun 8, 2026 |
The 2026 property tax bill for 109 E Murphy St was $2,629 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 | $2,629.00 Homeowner's exemption | $84,000 | $168,000 |
| 2023 | $60,300 | $120,600 | |
| 2022 | $2,298.00 |
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 109 E Murphy St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective February 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1979–1983) |
| Most Recent Claim | Mar 1983 · rainfall accumulation |
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 109 E Murphy 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 99.1% of the US · lower than 98.4% 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 | 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 251 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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