Bay County property record for 1109 5th St, Bay City, MI 48708
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,039 sqft · built 1900 |
| Lot Size | 0.186 acres (8,102 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $311,000 (Aug 2026) |
| Tax Bill | $3,255 (2026) |
| Deeds & Mortgages | Aug 2026 Sale Nov 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-021-436-010-00 |
| Primary APN | 160-021-436-010-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Building Area | 4,039 sqft Living Area |
| 1st Floor Area | 1,594 sqft |
| Basement Area | 1,566 sqft |
| Unfinished Basement | 1,594 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 8,102 sqft (0.186 acres) |
| Lot Dimensions | 90 ft deep x 90 ft wide |
| Garage Area | 1,047 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 224 sqft |
| Heating System | Hot Water |
|---|---|
| Sewer | Municipal |
| Street Address | 1109 5TH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48708-6031 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 DUPLEX |
| Legal Description | LOT 5 & E 40 FT OF LOT 6 BLK 16 JAMES FRASERS 1ST ADD N OF CENTER AVE |
| Legal Subdivision | JAMES FRASER 1ST ADD N S CENTE |
| Legal Block | 16 |
| Legal Lot Number | 5-6 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 280300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Center Avenue Neighborhood Residential District listed 1982 · 225 contributing resources · NRIS 82002826 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Bay County records, as of August 21, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 11467 E AUSTIN RD, MANCHESTER, MI 48158-9519 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 7, 2026 | Warranty Deed, Transfer CROSSROADS TITLE |
| Nov 21, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Jan 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage OAKTREE FUNDING CORP |
| Jan 27, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Nov 25, 2019 | Warranty Deed, Transfer OTHER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2026 · Amount on Record |
| Deed Sale | Aug 7, 2026 · Amount on Record |
| Prior Sale | Nov 25, 2019 · Amount on Record |
| Deed Document Number | 202610368 |
| Prior Transfer Date | Oct 27, 2006 |
| Prior Transfer Doc | 0024870136 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 7, 2026 |
| Property Address | 1109 5TH ST, BAY CITY, MI 48708-6031 |
| Document Number | 0000010368 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 202610368 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2026 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $235,582.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11467 E AUSTIN RD, MANCHESTER, MI 48158-9519 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 1109 5TH ST, BAY CITY, MI 48708-6031 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000012894 |
|---|---|
| Date | Nov 21, 2023 |
| Instrument | 202312894 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 1109 5TH ST, BAY CITY, MI 48708-6031 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1010 6TH ST, BAY CITY, MI 48708-6529 |
| Document Number | 0000000392 |
|---|---|
| Date | Jan 12, 2026 |
| Instrument | 202600392 |
| Name | OAKTREE FUNDING CORP |
|---|---|
| Type | Subprime Lender |
| Address | CHANDLER, AZ 85226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jan 27, 2020 |
| Property Address | 1109 5TH ST, BAY CITY, MI 48708-6031 |
| Document Number | 0000001127 |
| Instrument Date | Jan 14, 2020 |
| Instrument | 1127 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1010 6TH ST BAY CITY MI 487086529, BAY CITY, MI 48708-6529 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Nov 25, 2019 |
| Property Address | 1109 5TH ST, BAY CITY, MI 48708-6031 |
| Document Number | 0000015970 |
| Instrument Date | Nov 22, 2019 |
| Instrument | 15970 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2020 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Tax | $774.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7109 BELDING RD NE ROCKFORD MI 493418213, ROCKFORD, MI 49341-8213 |
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 | $3,255.00 (+14.61%) | $77,750 (+6.36%) | $155,500 (+6.36%) |
| 2025 | $2,840.00 (-0.35%) | $73,100 (+27.8%) | $146,200 (+27.8%) |
| 2023 | $57,200 | $114,400 | |
| 2022 | $2,850.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 1 (1981) |
| Most Recent Claim | May 1981 · tidal / storm surge |
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 277 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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