Bay County property record for 117 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,216 sqft · built 1945 |
| Lot Size | 0.228 acres (9,932 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $102,000 (Nov 2025) |
| Tax Bill | $2,358 (2026) |
| Deeds & Mortgages | Jul 2024 Mortgage Nov 2025 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-151-024-00 |
| Primary APN | 160-016-151-024-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,216 sqft Living Area |
| 1st Floor Area | 1,216 sqft |
| Basement Area | 1,216 sqft |
| Unfinished Basement | 1,216 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Hip |
| Lot Area | 9,932 sqft (0.228 acres) |
| Lot Dimensions | 195 ft deep x 51 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 28 sqft |
| Patio Area | 1,180 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 117 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3874 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | COM 153.52 FT N & 175 FT W OF NW COR BRADLEY & SMITH STS TH S 190.60 FT TH SWLY 51.10 FT TH N 201.13 FT TH E 50 FT TO BEG SEC |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 281300 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 202 BRADLEY ST, BAY CITY, MI 48706-3816 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Jul 18, 2024 | Deed of Trust, Mortgage · Conventional Mortgage GREAT LAKES CU |
| Nov 19, 2025 | Warranty Deed, Transfer · FHA Mortgage STAUNTON FINANCIAL INC |
| Nov 28, 2023 | Correction Deed TITLE TOWN PARTNERS LLC, TITLE PARTNERS LLC |
| Oct 30, 2023 | Quit Claim Deed, Transfer · Conventional Mortgage GREAT LAKES FCU |
| Oct 17, 2022 | Sheriff's Deed, Foreclosure |
| Apr 17, 2019 | Grant Deed, Transfer · Conventional Mortgage ACADEMY MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 19, 2025 · Amount on Record |
| Deed Sale | Nov 19, 2025 · Amount on Record |
| Prior Sale | Oct 30, 2023 · Amount on Record |
| Deed Document Number | 202514471 |
| Prior Transfer Date | Nov 22, 2013 |
| Prior Transfer Doc | 0030020888 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 117 E SMITH ST, BAY CITY, MI 48706-3874 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 117 E SMITH ST, BAY CITY, MI 48706-3874 |
| Document Number | 0000008507 |
|---|---|
| Date | Jul 18, 2024 |
| Instrument | 202408507 |
| Name | GREAT LAKES CU |
|---|---|
| Type | Credit Union |
| Address | BAY CITY, MI 48708 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Aug 1, 2029 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Nov 19, 2025 |
| Property Address | 117 E SMITH ST, BAY CITY, MI 48706-3874 |
| Document Number | 0000014471 |
| Instrument Date | Nov 14, 2025 |
| Instrument | 202514471 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Title Company | FIDELITY NATIONAL TTL GROUP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $765.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 117 E SMITH ST, BAY CITY, MI 48706-3874 |
| Name | Verified Name |
|---|---|
| Address | 202 BRADLEY ST, BAY CITY, MI 48706-3816 |
| Document Number | 0000014472 |
|---|---|
| Date | Nov 19, 2025 |
| Instrument | 202514472 |
| Name | STAUNTON FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Number | 0000014473 |
|---|---|
| Date | Nov 19, 2025 |
| Instrument | 202514473 |
| Name | MICHIGAN STATE HOUSING DEV AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | LANSING, MI 48912 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Nov 28, 2023 |
| Property Address | 117 E SMITH ST, BAY CITY, MI 48706-3874 |
| Document Number | 0000013035 |
| Instrument Date | Nov 28, 2023 |
| Instrument | 202313035 |
| Record Updated | May 18, 2026 |
| Title Company | TITLE TOWN PARTNERS LLC, TITLE PARTNERS LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 30, 2023 |
| Property Address | 117 E SMITH ST, BAY CITY, MI 48706-3874 |
| Document Number | 0000012044 |
| Instrument Date | Oct 4, 2023 |
| Instrument | 202312044 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 735 E MICHIGAN AVE, LANSING, MI 48912-1474 |
| Name | Verified Name |
|---|---|
| Address | 735 E MICHIGAN AVE, LANSING, MI 48912-1474 |
| Document Number | 0000012045 |
|---|---|
| Date | Oct 30, 2023 |
| Instrument | 202312045 |
| Name | GREAT LAKES FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Nov 1, 2028 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 17, 2022 |
| Property Address | 117 E SMITH ST, BAY CITY, MI 48706-3874 |
| Document Number | 0000014527 |
| Instrument Date | Oct 7, 2022 |
| Instrument | 202214527 |
| Transaction Type | Foreclosure |
| Record Updated | May 18, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Redemption Amount |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3637 SENTARA WAY, VIRGINIA BEACH, VA 23452-4262 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Apr 17, 2019 |
| Property Address | 117 E SMITH ST, BAY CITY, MI 48706-3874 |
| Document Number | 0000005682 |
| Instrument Date | Apr 11, 2019 |
| Instrument | 5682 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $540.94 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3738 S GENEVA DR BAY CITY MI 487069225, BAY CITY, MI 48706-9225 |
| Document Number | 5683 |
|---|---|
| Date | Apr 17, 2019 |
| Instrument | 5683 |
| Name | ACADEMY MTG |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 16, 2049 |
| Document Number | 5684, |
|---|---|
| Date | Apr 17, 2019 |
| Instrument | 5684 |
| Name | MICHIGAN ST HSNG DEV AUTH |
|---|---|
| Address | LANSING, MI 48912 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $2,358.00 (+21.48%) Homeowner's exemption | $53,850 (-2.09%) | $107,700 (-2.09%) |
| 2025 | $1,941.00 (-15.2%) Homeowner's exemption | $55,000 (+28.81%) | $110,000 (+28.81%) |
| 2024 | $2,289.00 (+46.54%) | ||
| 2023 | $42,700 | $85,400 | |
| 2022 | $1,562.00 |
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 | Not rated no burnable land within 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 572 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures