Bay County property record for 1307 McCormick St, Bay City, MI 48708
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,008 sqft · built 1930 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on File |
| Last Sale | $77,025 (Aug 2022) |
| Tax Bill | $1,831 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Aug 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-032-484-004-00 |
| Primary APN | 160-032-484-004-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| 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 | 154 sqft |
| Patio Area | 704 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 1307 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 4 BLK 20 TROMBLES ADD TO HIS DIV OF PORTSMOUTH |
| Legal Subdivision | TROMBLES ADD TO HIS DIV |
| Legal Block | 20 |
| Legal Lot Number | 4 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 280900 |
1307 McCormick St is owned and occupied by an individual who bought it in August 2022.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1307 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 |
|---|---|
| Apr 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JOLT CREDIT UNION |
| Aug 12, 2022 | Warranty Deed, Transfer · Conventional Mortgage JOLT CREDIT UNION |
| Apr 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JOLT CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2022 · Amount on File |
| Deed Sale | Aug 12, 2022 · Amount on File |
| Prior Sale | Jul 26, 2011 · Amount on File |
| Deed Document Number | 202211648 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 1307 MCCORMICK ST, BAY CITY, MI 48708-8319 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000008008 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 202108008 |
| Name | JOLT CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48603 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 85 Months |
| Due | May 1, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 12, 2022 |
| Property Address | 1307 MCCORMICK ST, BAY CITY, MI 48708-8319 |
| Document Number | 0000011648 |
| Map Reference | LB 1 PG 46 |
| Instrument Date | Aug 1, 2022 |
| Instrument | 202211648 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Title Company | SAGINAW BAY AREA TITLE AGENCY, SAGINAW BAY AREA TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $581.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4918 2 MILE RD, BAY CITY, MI 48706-2752 |
| Name | Verified Name |
|---|---|
| Address | 1307 MCCORMICK ST, BAY CITY, MI 48708-8319 |
| Document Number | 0000011649 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 202211649 |
| Name | JOLT CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 1307 MCCORMICK ST, BAY CITY, MI 48708-8319 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202108008 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 202108008 |
| Name | JOLT CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48603 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 85 Months |
| Due | May 1, 2028 |
The 2026 property tax bill for 1307 McCormick St was $1,831 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 | $1,831.00 Homeowner's exemption | $49,900 | $99,800 |
| 2023 | $36,200 | $72,400 | |
| 2022 | $1,731.00 |
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.
FEMA maps place 1307 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 1307 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures