Bay County property record for 116 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,860 sqft · built 1950 |
| Lot Size | 0.222 acres (9,670 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $140,000 (Mar 2021) |
| Tax Bill | $2,844 (2026) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Oct 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-152-002-00 |
| Primary APN | 160-016-152-002-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,860 sqft Living Area |
| 1st Floor Area | 1,860 sqft |
| Basement Area | 1,630 sqft |
| Unfinished Basement | 1,630 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Hip |
| Lot Area | 9,670 sqft (0.222 acres) |
| Lot Dimensions | 120 ft deep x 81 ft wide |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 113 sqft |
| Patio Area | 240 sqft |
| Heating System | Hot Water |
|---|---|
| Sewer | Municipal |
| Street Address | 116 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 499 FT E OF W 1/4 POST OF SEC TH E 80 FT TO W LI OF BRADLEY ST TH N 129.25 FT TO S LI OF SMITH ST TH SWLY ALG SMITH ST |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 281300 |
Source: Bay County records, as of August 3, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 116 E SMITH ST, BAY CITY, MI 48706-3875 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2021 | Warranty Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC |
| Oct 23, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jul 24, 2020 | Tax Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2021 · Amount on Record |
| Deed Sale | Mar 11, 2021 · Amount on Record |
| Prior Sale | Oct 23, 2020 · Amount on Record |
| Deed Document Number | 20214054 |
| Prior Transfer Date | Mar 29, 2010 |
| Prior Transfer Doc | 0027510677 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Mar 11, 2021 |
| Property Address | 116 E SMITH ST, BAY CITY, MI 48706-3875 |
| Document Number | 0000004054 |
| Instrument Date | Mar 9, 2021 |
| Instrument | 202104054 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,204.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1279 JODIE LYNN LN, ESSEXVILLE, MI 48732-1650 |
| Name | Verified Name |
|---|---|
| Address | 116 E SMITH ST, BAY CITY, MI 48706-3875 |
| Investor | Possibly a Property Investor |
| Document Number | 0000004055 |
|---|---|
| Date | Mar 11, 2021 |
| Instrument | 202104055 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 23, 2020 |
| Property Address | 116 E SMITH ST, BAY CITY, MI 48706-3875 |
| Document Number | 0000015107 |
| Instrument Date | Oct 19, 2020 |
| Instrument | 15107 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1279 JODIE LYNN LN ESSEXVILLE MI 487321650, ESSEXVILLE, MI 48732-1650 |
| Document Type | Tax Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jul 24, 2020 |
| Property Address | 116 E SMITH ST, BAY CITY, MI 48706-3875 |
| Document Number | 0000010053 |
| Instrument Date | Jul 20, 2020 |
| Instrument | 10053 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
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 | $2,844.00 (+14.45%) Homeowner's exemption | $81,050 (+37.26%) | $162,100 (+37.26%) |
| 2023 | $59,050 | $118,100 | |
| 2022 | $2,485.00 |
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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