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111 E Smith St, Bay City, MI 48706 Property Records

Bay County property record for 111 E Smith St, Bay City, MI 48706

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,830 sqft · built 1900
Lot Size0.487 acres (21,214 sqft)
OwnerIndividual Name on Record
Last Sale$39,300 (Aug 2021)
Tax Bill$1,917 (2026)
Deeds & MortgagesAug 2021 Sale & Mortgage
Aug 2021 Sale & Mortgage
+ 5 more
Flood ZoneZone X (minimal risk)
APN160-016-151-021-00

Property Details

APN / Parcel Number

Primary APN160-016-151-021-00
Alternative APN
  • 0913001615102100

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,830 sqft Living Area
1st Floor Area1,240 sqft
Basement Area1,240 sqft
Unfinished Basement1,240 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Exterior MaterialWood Siding
Roof TypeGable
Lot Area21,214 sqft (0.487 acres)
Lot Dimensions168 ft deep x 127 ft wide
Garage Area360 sqft
Parking Spaces1 Parking Space
PorchPorch
Porch Area240 sqft
Patio Area180 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
SewerMunicipal

Location & Zoning

Street Address111 E SMITH ST
CityBAY CITY
StateMI
Zip48706-3874
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1 SINGLE
Legal DescriptionCOM AT NE COR SMITH & RICHTER STS, TH N 179.85 FT, TH E 125 FT, TH S 158.76 FT, TH SWLY 127.76
JurisdictionBAY MI
Township / Civil DivisionBAY CITY
Census Block Group3
Census Block3006
Census Tract281300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address111 E SMITH ST, BAY CITY, MI 48706-3874
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2021Warranty Deed, Transfer · Conventional Mortgage
FRANKENMUTH CU
Aug 18, 2021Warranty Deed, Transfer · Conventional Mortgage
FRANKENMUTH CU
Aug 31, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Aug 19, 2020Warranty Deed, Transfer
SAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY
Apr 6, 2020Grant Deed, Transfer
NOT AVAILABLE
Jan 27, 2020Grant Deed, Transfer
SERVICELINK
Mar 20, 2019Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 18, 2021 · Amount on Record
Deed SaleAug 18, 2021 · Amount on Record
Prior SaleAug 31, 2020 · Amount on Record
Deed Document Number202114286
Record UpdatedOct 29, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY MI
Recording DateAug 18, 2021
Property Address111 E SMITH ST, BAY CITY, MI 48706-3874
Document Number0000014286
Instrument DateAug 18, 2021
Instrument202114286
Transaction TypeTransfer
Record UpdatedMay 18, 2026

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address111 E SMITH ST, BAY CITY, MI 48706-3874

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000014287
DateAug 18, 2021
Instrument202114287
Lender
NameFRANKENMUTH CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2051

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY MI
Recording DateAug 18, 2021
Property Address111 E SMITH ST, BAY CITY, MI 48706-3874
Document Number202114286
Instrument DateAug 18, 2021
Instrument202114286
Transaction TypeTransfer
Record UpdatedOct 20, 2021

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address111 E SMITH ST, 111, BAY CITY, MI 48706-3874

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number202114287
DateAug 18, 2021
Instrument202114287
Lender
NameFRANKENMUTH CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2051

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY MI
Recording DateAug 31, 2020
Property Address111 E SMITH ST, BAY CITY, MI 48706-3874
Document Number0000012096
Instrument DateAug 31, 2020
Instrument12096
Transaction TypeTransfer
Record UpdatedFeb 4, 2021
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3227 DALE RD SAGINAW MI 486033208, SAGINAW, MI 48603-3208

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY MI
Recording DateAug 19, 2020
Property Address111 E SMITH ST, BAY CITY, MI 48706-3874
Document Number0000011433
Instrument DateAug 14, 2020
Instrument11433
Transaction TypeTransfer
Record UpdatedFeb 4, 2021
Title CompanySAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY

Transaction

AmountAmount Recorded
Tax$258.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2712 N VAN BUREN ST BAY CITY MI 487085449, BAY CITY, MI 48708-5449

April 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBAY MI
Recording DateApr 6, 2020
Property Address111 E SMITH ST, BAY CITY, MI 48706-3874
Document Number0000005133
Instrument DateMar 19, 2020
Instrument5133
Transaction TypeTransfer
Record UpdatedSep 24, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$146.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address300 GRANT ST ROSE CITY MI 486542507, ROSE CITY, MI 48654-2507

January 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionBAY MI
Recording DateJan 27, 2020
Property Address111 E SMITH ST, BAY CITY, MI 48706-3874
Document Number0000001123
Instrument DateJan 8, 2020
Instrument1123
Transaction TypeTransfer
Record UpdatedJun 19, 2020
Title CompanySERVICELINK

Transaction

AmountAmount Recorded
Tax$77.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address333 WESTCHESTER AVE #2100 WHITE PLAINS NY 106042911, 2100, WHITE PLAINS, NY 10604-2911
InvestorPossibly a Property Investor

March 2019: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionBAY MI
Recording DateMar 20, 2019
Property Address111 E SMITH ST, BAY CITY, MI 48706-3874
Document Number0000003214
Instrument DateMar 15, 2019
Instrument3214
Transaction TypeForeclosure
Record UpdatedApr 12, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$273.48
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2375 N GLENVILLE DR RICHARDSON TX 750824315, RICHARDSON, TX 75082-4315

Tax Assessment & Valuation

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyBay County
MunicipalityBay City
Unified School DistrictBay City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,917.00 (+14.45%) Homeowner's exemption$53,700 (+36.47%)$107,400 (+36.47%)
2023$39,350$78,700
2022$1,675.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (1979–1983)
Most Recent ClaimMar 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCITY OF BAY CITY
serves 32,255 people · EPA ID MI0000470
Water SourcePurchased surface water from BAY AREA WATER SYSTEM
Last State InspectionNov 2025
Lead8 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jan 2024
Monitoring and ReportingNone
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 251 locations within half a mile, as of December 31, 2025

ProviderMax 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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