Bay County property record for 1102 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,358 sqft · built 1910 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on File |
| Last Sale | $84,900 (Dec 2020) |
| Tax Bill | $2,230 (2026) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Aug 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-264-003-00 |
| Primary APN | 160-016-264-003-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,358 sqft Living Area |
| 1st Floor Area | 1,047 sqft |
| Basement Area | 935 sqft |
| Unfinished Basement | 1,047 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 5,009 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Area | 160 sqft |
| Porch | Porch |
| Porch Area | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 1102 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-4032 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | LOT 5 BLK 31 JOSEPH TROMBLES ADD TO THE VILL OF BANKS |
| Legal Subdivision | JOSEPH TROMBLES ADD |
| Legal Block | 31 |
| Legal Lot Number | 5 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 281300 |
Source: Bay County records, as of May 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1102 E SMITH ST, BAY CITY, MI 48706-4032 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2020 | Warranty Deed, Transfer · Conventional with PMI ACADEMY MTG |
| Aug 31, 2018 | Deed of Trust, Mortgage · Line of Credit COPOCO CMNTY CU |
| Feb 1, 2017 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 14, 2020 · Amount on File |
| Deed Sale | Dec 14, 2020 · Amount on File |
| Prior Sale | Sep 9, 2010 · Amount on File |
| Deed Document Number | 202017987 |
| Prior Transfer Date | Feb 1, 2017 |
| Prior Transfer Doc | 0031980019 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Dec 14, 2020 |
| Property Address | 1102 E SMITH ST, BAY CITY, MI 48706-4032 |
| Document Number | 0000017987 |
| Instrument Date | Dec 9, 2020 |
| Instrument | 17987 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $730.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 855 SHADY SHORE DR BAY CITY MI 487061953, BAY CITY, MI 48706-1953 |
| Document Number | 17988 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 17988 |
| Name | ACADEMY MTG |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 13, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 1102 E SMITH ST, BAY CITY, MI 48706-4032 |
| Document Number | 0000012365 |
| Instrument Date | Aug 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1102 E SMITH ST BAY CITY MI 487064032, BAY CITY, MI 48706-4032 |
| Document Number | 0000012365 |
|---|---|
| Date | Sep 7, 2018 |
| Instrument | 12365 |
| Name | COPOCO CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | BAY CITY, MI 48706 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Feb 1, 2017 |
| Property Address | 1102 E SMITH ST, BAY CITY, MI 48706-4032 |
| Document Number | 0031980019 |
| Book / Page | 003198 / 000019 |
| Instrument Date | Feb 1, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $224.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1102 E SMITH ST BAY CITY MI 487064032, BAY CITY, MI 48706-4032 |
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 | $2,230.00 (+14.48%) Homeowner's exemption | $61,600 (+32.9%) | $123,200 (+32.9%) |
| 2023 | $46,350 | $92,700 | |
| 2022 | $1,948.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 3 in force |
| Nearby Flood Claims | 15 (1981–2017) |
| Claims Outside the SFHA | 5 of 15 |
| Most Recent Claim | Jun 2017 · Severe Storms And 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.
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 572 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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