Bay County property record for 1305 McCormick St, Bay City, MI 48708
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 816 sqft · built 1957 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on File |
| Last Sale | $33,000 (Jul 2017) |
| Tax Bill | $1,076 (2026) |
| Deeds & Mortgages | Mar 2024 Transfer Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-032-484-003-00 |
| Primary APN | 160-032-484-003-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 816 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 5,009 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 24 sqft |
| Patio Area | 135 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 1305 MCCORMICK ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48708-8319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 DUPLEX |
| Legal Description | LOT 3 BLK 20 TROMBLES ADD TO HIS DIV OF PORTSMOUTH |
| Legal Subdivision | TROMBLES ADD TO HIS DIV |
| Legal Block | 20 |
| Legal Lot Number | 3 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 280900 |
1305 McCormick St is owned and occupied by an individual who acquired it in March 2024.
Source: Bay County records, as of August 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1305 MCCORMICK ST, BAY CITY, MI 48708-8319 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Mar 11, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Jul 20, 2017 | Warranty Deed, Transfer · FHA Mortgage INDEPENDENCE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 20, 2017 · Amount on File |
| Deed Sale | Jul 20, 2017 · Amount on File |
| Prior Sale | Nov 14, 2001 · Amount on File |
| Deed Book / Page | 3228 / 508 |
| Last Transfer Date | Mar 5, 2024 |
| Transfer Doc | 0000002389 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Mar 11, 2024 |
| Property Address | 1305 MCCORMICK ST, BAY CITY, MI 48708-8319 |
| Document Number | 0000002389 |
| Map Reference | LB 1 PG 46 |
| Instrument Date | Mar 5, 2024 |
| Instrument | 202402389 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1305 MCCORMICK ST, BAY CITY, MI 48708-8319 |
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jul 20, 2017 |
| Property Address | 1305 MCCORMICK ST, BAY CITY, MI 48708-8319 |
| Document Number | 0032280508 |
| Book / Page | 3228 / 508 |
| Map Reference | LB1 PG46 |
| Instrument Date | Jul 13, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $283.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1305 MCCORMICK ST, 1305, BAY CITY, MI 48708-8319 |
| Name | Verified Name |
|---|---|
| Address | 113 S ALMONT ST, STANDISH, MI 48658-9670 |
| Document Number | 3228510 |
|---|---|
| Date | Jul 20, 2017 |
| Instrument | 3228/510 |
| Name | INDEPENDENCE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
The 2026 property tax bill for 1305 McCormick St was $1,076 with a homeowner's exemption.
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 | $1,076.00 Homeowner's exemption | $35,550 | $71,100 |
| 2023 | $26,150 | $52,300 | |
| 2022 | $940.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1305 McCormick St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1986.
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 | 1 (1986) |
| Most Recent Claim | Sep 1986 · Severe Storms & Flooding |
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.
The area around 1305 McCormick St has no burnable land within ember reach, so its wildfire risk is not rated.
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 646 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 |
| AT&T Fixed Wireless · DSL in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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