Bay County property record for 1210 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 720 sqft · built 1947 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Apr 2026) |
| Tax Bill | $906 (2026) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Jun 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-277-004-00 |
| Primary APN | 160-016-277-004-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 720 sqft Living Area |
| 1st Floor Area | 576 sqft |
| Basement Area | 576 sqft |
| Unfinished Basement | 576 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 5,009 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 264 sqft |
| Patio Area | 48 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 1210 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-4034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | LOT 3 BLK 32 JOSEPH TROMBLES ADD TO THE VILL OF BANKS |
| Legal Subdivision | JOSEPH TROMBLES ADD |
| Legal Block | 32 |
| Legal Lot Number | 3 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 281300 |
1210 E Smith St is owned and occupied by an individual who bought it in April 2026.
Source: Bay County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1201 15TH ST, BAY CITY, MI 48708-7329 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 6, 2026 | Warranty Deed, Transfer · FHA Mortgage STAUNTON FINANCIAL INC |
| Jun 2, 2017 | Deed of Trust, Mortgage AMERIFIRST FIN'L CORP |
| Apr 19, 2017 | Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 6, 2026 · Amount on File |
| Deed Sale | Apr 6, 2026 · Amount on File |
| Prior Sale | Apr 19, 2017 · Amount on File |
| Deed Document Number | 20264749 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Apr 6, 2026 |
| Property Address | 1210 E SMITH ST, BAY CITY, MI 48706-4034 |
| Document Number | 0000004749 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 2026.4749 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | MIDLAND TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $87,112.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1201 15TH ST, BAY CITY, MI 48708-7329 |
| Document Number | 0000004750, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 2026.4750 |
| Name | STAUNTON FINANCIAL INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000004751, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 2026.4751 |
| Name | MICHIGAN STATE HSNG DEV AUTH |
|---|
| Amount | Amount on Record |
|---|
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 1210 E SMITH ST, BAY CITY, MI 48706-4034 |
| Document Number | 0032210132 |
| Book / Page | 003221 / 000132 |
| Instrument Date | Jun 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2017 |
| Name | Verified Name |
|---|
| Document Number | 0032210132 |
|---|---|
| Date | Jun 7, 2017 |
| Book Page | 003221/000132 |
| Name | AMERIFIRST FIN'L CORP |
|---|---|
| Address | KALAMAZOO, MI 49002 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Apr 19, 2017 |
| Property Address | 1210 E SMITH ST, BAY CITY, MI 48706-4034 |
| Document Number | 0032110844 |
| Book / Page | 3211 / 844 |
| Map Reference | LB1 PG98 |
| Instrument Date | Apr 17, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2021 |
| Title Company | DIVERSIFIED NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $344.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2383 FRASER RD, 2383, KAWKAWLIN, MI 48631-9145 |
| Name | Verified Name |
|---|---|
| Address | 2079 RINGLE RD, VASSAR, MI 48768-9729 |
| Document Number | 3211848 |
|---|---|
| Date | Apr 19, 2017 |
| Instrument | 3211/848 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
The 2026 property tax bill for 1210 E Smith St was $906 with a homeowner's exemption, up 21.3% from the year before.
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 | $906.00 (+21.29%) Homeowner's exemption | $29,700 (+3.66%) | $59,400 (+3.66%) |
| 2025 | $747.00 Homeowner's exemption | $28,650 | $57,300 |
| 2023 | $22,000 | $44,000 | |
| 2022 | $792.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1210 E Smith St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1981.
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 Policies | 3 in force |
| Nearby Flood Claims | 15 (1981–2017) |
| Claims Outside the SFHA | 5 of 15 |
| Most Recent Claim | Jun 2017 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 1210 E Smith 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 96% of the US · lower than 91% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 275 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 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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