113 Andre St, Bay City, MI 48706 Property Records

Bay County property record for 113 Andre St, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · built 1900
Lot Size	0.165 acres (7,187 sqft)
Owner	2 Individual Names on File
Last Sale	$12,000 (Dec 2015)
Tax Bill	$326 (2026)
Deeds & Mortgages	Oct 2018 Line of Credit Aug 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`030-W10-003-011-01`

Property Details

APN / Parcel Number

Primary APN	`030-W10-003-011-01`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	113 ANDRE ST
City	BAY CITY
State	MI
Zip	48706-5337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RF
Legal Description	LOT 12, BLK 3 WEST SAGINAW, L1/P103 BCR
Legal Subdivision	WEST SAGINAW
Legal Block	3
Legal Lot Number	12
Jurisdiction	BAY MI
Township / Civil Division	FRANKENLUST
Census Block Group	1
Census Block	1035
Census Tract	285400

Owner

113 Andre St is owned by two individuals who acquired it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	210 BROOKS ST, BAY CITY, MI 48706-5339
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2018	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK
Aug 28, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2015 · Amount on File
Deed Sale	Dec 18, 2015 · Amount on File
Deed Book / Page	3129 / 34
Last Transfer Date	Aug 24, 2018
Transfer Doc	201811880
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	113 ANDRE ST, BAY CITY, MI 48706-5337
Document Number	0000016079
Instrument Date	Oct 29, 2018
Transaction Type	Mortgage
Record Updated	Jan 7, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	210 BROOKS ST BAY CITY MI 487065339, BAY CITY, MI 48706-5339

Mortgage

Document Number	0000016079
Date	Nov 27, 2018
Instrument	16079

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2048

Interest

Rate Type	Adjustable Rate

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Aug 28, 2018
Property Address	113 ANDRE ST, BAY CITY, MI 48706-5337
Document Number	0000011880
Instrument Date	Aug 24, 2018
Instrument	11880
Transaction Type	Transfer
Record Updated	Jan 16, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 BROOKS ST BAY CITY MI 487065339, BAY CITY, MI 48706-5339

Tax Assessment & Valuation

The 2026 property tax bill for 113 Andre St was $326, up 39.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Frankenlust Township
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$326.00 (+39.91%)	$13,050 (+1.16%)	$26,100 (+1.16%)
2025	$233.00	$12,900	$25,800
2023		$11,000	$22,000
2022	$259.00

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

Flood

FEMA maps place 113 Andre St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	14 (1983–2021)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Sep 2021 · alluvial fan flooding
Claims by Event	Severe Storms & Flooding, Oct 1986 · 10 claims

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

Wildfire risk around 113 Andre 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 98% of the US · lower than 95% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FRANKENLUST TOWNSHIP serves 3,626 people · EPA ID MI0002410
Water Source	Purchased surface water from CITY OF SAGINAW
Last State Inspection	Nov 2025
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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