Bay County property record for 112 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,106 sqft · built 1930 |
| Lot Size | 0.388 acres (16,901 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (May 2024) |
| Tax Bill | $1,239 (2022) |
| Deeds & Mortgages | Feb 2026 Sale May 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-152-001-00 |
| Primary APN | 160-016-152-001-00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,106 sqft Living Area |
| 1st Floor Area | 769 sqft |
| Basement Area | 729 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Lot Area | 16,901 sqft (0.388 acres) |
| Lot Dimensions | 175 ft deep x 192 ft wide |
| Patio Area | 96 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 112 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3875 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | COM 399 FT E OF W 1/4 POST OF SEC TH E 100 FT TH N TO S LI OF SMITH ST TH SWLY ALG SMITH ST 102.2 FT TH S 95.20 FT TO BEG SEC |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 281300 |
Source: Bay County records, as of May 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 112 E SMITH ST, BAY CITY, MI 48706-3875 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 13, 2026 | Warranty Deed, Transfer |
| May 22, 2024 | Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2024 · Amount on Record |
| Deed Sale | May 22, 2024 · Amount on Record |
| Deed Document Number | 20246417 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Feb 13, 2026 |
| Property Address | 112 E SMITH ST, BAY CITY, MI 48706-3875 |
| Document Number | 0000001640 |
| Instrument Date | Feb 13, 2026 |
| Instrument | 202601640 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $67.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1106 STATE ST, BAY CITY, MI 48706-3669 |
| Name | Verified Name |
|---|---|
| Address | 112 E SMITH ST, BAY CITY, MI 48706-3875 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | May 22, 2024 |
| Property Address | 112 E SMITH ST, BAY CITY, MI 48706-3875 |
| Document Number | 0000006417 |
| Instrument Date | May 17, 2024 |
| Instrument | 202406417 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 112 E SMITH ST, BAY CITY, MI 48706-3875 |
| Name | Verified Name |
|---|---|
| Address | 19984 JAMES ST, HOUGHTON, MI 49931-3032 |
| Document Number | 0000006418 |
|---|---|
| Date | May 22, 2024 |
| Instrument | 202406418 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Number | 0000006419 |
|---|---|
| Date | May 22, 2024 |
| Instrument | 202406419 |
| Name | MICHIGAN STATE HOUSING DEV AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | LANSING, MI 48912 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
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 | Homeowner's exemption | $58,450 (+40.67%) | $116,900 (+40.67%) |
| 2023 | $41,550 | $83,100 | |
| 2022 | $1,239.00 |
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.
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.
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 547 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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