Bay County property record for 1306 4th St, Bay City, MI 48708
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,437 sqft · built 1923 |
| Lot Size | 0.103 acres (4,487 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $111,000 (May 2005) |
| Tax Bill | $1,624 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage Jul 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-022-311-002-00 |
| Primary APN | 160-022-311-002-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,437 sqft Living Area |
| 1st Floor Area | 958 sqft |
| Basement Area | 958 sqft |
| Unfinished Basement | 958 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 4,487 sqft (0.103 acres) |
| Lot Dimensions | 90 ft deep x 50 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 184 sqft |
| Patio Area | 24 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 1306 4TH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48708-6026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 DUPLEX |
| Legal Description | LOT 11 BLK 14 JAMES FRASERS 1ST ADD TO BC N OF CENTER AVE |
| Legal Subdivision | JAMES FRASERS FIRST ADDITION TO BAY CITY |
| Legal Block | 14 |
| Legal Lot Number | 11 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 280300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Center Avenue Neighborhood Historic District (Boundary Increase) listed 2012 · 877 contributing resources · NRIS 12001027 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 1306 4TH ST, BAY CITY, MI 48708-6026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2022 | Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK |
| Jul 25, 2023 | Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 2005 · Amount on Record |
| Deed Sale | May 10, 2005 · Amount on Record |
| Prior Sale | Jul 9, 2002 · Amount on Record |
| Deed Book / Page | 2324 / 764 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 1306 4TH ST, BAY CITY, MI 48708-6026 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1306 4TH ST, BAY CITY, MI 48708-6026 |
| Document Number | 0000006499 |
|---|---|
| Date | Apr 20, 2022 |
| Instrument | 202206499 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49525 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 1306 4TH ST, BAY CITY, MI 48708-6026 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1306 4TH ST, BAY CITY, MI 48708-6026 |
| Document Number | 0000008396 |
|---|---|
| Date | Jul 25, 2023 |
| Instrument | 202308396 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49525 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $1,624.00 (+14.45%) Homeowner's exemption | $55,350 (+37.17%) | $110,700 (+37.17%) |
| 2023 | $40,350 | $80,700 | |
| 2022 | $1,419.00 |
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 | 1 (1981) |
| Most Recent Claim | May 1981 · tidal / storm surge |
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 277 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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