115 E Murphy St, Bay City, MI 48706 Property Records

Bay County property record for 115 E Murphy St, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,312 sqft · built 1940
Lot Size	1.06 acres (46,304 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Jun 2025)
Tax Bill	$2,664 (2026)
Deeds & Mortgages	May 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`160-016-102-024-00`

Property Details

APN / Parcel Number

Primary APN	`160-016-102-024-00`
Alternative APN	`0913001610202400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,312 sqft Living Area
1st Floor Area	875 sqft
Basement Area	875 sqft
Unfinished Basement	875 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Traditional
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	46,304 sqft (1.06 acres)
Lot Dimensions	295 ft deep x 157 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	624 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	115 E MURPHY ST
City	BAY CITY
State	MI
Zip	48706-3847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	W 157 FT OF LOT 20 SMITHVILLE ADD TO W BC
Legal Subdivision	SMITHVILLE ADD
Legal Lot Number	20
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	3
Census Block	3000
Census Tract	281300

Owner

115 E Murphy St is owned and occupied by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	704 N LINN ST, BAY CITY, MI 48706-4804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2025 · Amount on File
Deed Sale	Jun 9, 2025 · Amount on File
Prior Sale	Jun 11, 1991 · Amount on File
Deed Document Number	20257359
Prior Transfer Date	Mar 28, 2017
Prior Transfer Doc	201906540
Record Updated	Oct 29, 2026

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	May 2, 2019
Property Address	115 E MURPHY ST, BAY CITY, MI 48706-3847
Document Number	0000006540
Instrument Date	Mar 28, 2017
Instrument	6540
Transaction Type	Transfer
Record Updated	Jul 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	115 E MURPHY ST BAY CITY MI 487063847, BAY CITY, MI 48706-3847

Tax Assessment & Valuation

The 2026 property tax bill for 115 E Murphy St was $2,664 with a homeowner's exemption, up 24.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
Municipality	Bay City
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,664.00 (+24.14%) Homeowner's exemption	$75,100 (+20.84%)	$150,200 (+20.84%)
2025	$2,146.00	$62,150	$124,300
2023		$48,750	$97,500
2022	$1,551.00

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.

Flood

FEMA maps place 115 E Murphy St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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.

Wildfire

Wildfire risk around 115 E Murphy 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 251 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20