Bay County property record for 1309 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,418 sqft · built 1915 |
| Lot Size | 0.126 acres (5,489 sqft) |
| Owner | Individual Name on File |
| Last Sale | $113,400 (Jun 2024) |
| Tax Bill | $2,511 (2026) |
| Deeds & Mortgages | Jun 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-228-020-00 |
| Primary APN | 160-016-228-020-00 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,418 sqft Living Area |
| 1st Floor Area | 1,418 sqft |
| Basement Area | 1,420 sqft |
| Unfinished Basement | 1,420 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 5,489 sqft (0.126 acres) |
| Lot Dimensions | 100 ft deep x 55 ft wide |
| Porch | Porch |
| Porch Area | 104 sqft |
| Patio Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 1309 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-4144 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | LOT 2 & THE ELY 5 FT OF LOT 3 IN BLK 34 OF JOSEPH TROMBLES ADD TO THE VILL OF BANKS |
| Legal Subdivision | JOSEPH TROMBLES ADD |
| Legal Block | 34 |
| Legal Lot Number | 2-3 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 281300 |
1309 E Smith St is owned and occupied by an individual who bought it in June 2024.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1309 E SMITH ST, BAY CITY, MI 48706-4144 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 6, 2024 · Amount on File |
| Deed Sale | Jun 6, 2024 · Amount on File |
| Prior Sale | May 29, 2001 · Amount on File |
| Deed Document Number | 20246978 |
| Prior Transfer Date | Mar 4, 2004 |
| Prior Transfer Doc | 0021850442 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jun 6, 2024 |
| Property Address | 1309 E SMITH ST, BAY CITY, MI 48706-4144 |
| Document Number | 0000006978 |
| Map Reference | LB 1 PG 98 |
| Instrument Date | May 28, 2024 |
| Instrument | 202406978 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Title Company | FIDELITY NATIONAL TTL GROUP |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $851.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1309 E SMITH ST, BAY CITY, MI 48706-4144 |
| Name | Verified Name |
|---|---|
| Address | 115 S LINCOLN RD, BAY CITY, MI 48706-1405 |
| Document Number | 0000006979 |
|---|---|
| Date | Jun 6, 2024 |
| Instrument | 202406979 |
| Name | STAUNTON FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2054 |
| Document Number | 0000006980 |
|---|---|
| Date | Jun 6, 2024 |
| Instrument | 202406980 |
| Name | MICHIGAN STATE HOUSING DEV AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | LANSING, MI 48912 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 1309 E Smith St was $2,511 with a homeowner's exemption, up 21.4% 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 | $2,511.00 (+21.42%) Homeowner's exemption | $57,750 (+7.44%) | $115,500 (+7.44%) |
| 2025 | $2,068.00 Homeowner's exemption | $53,750 | $107,500 |
| 2023 | $40,300 | $80,600 | |
| 2022 | $1,769.00 |
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 1309 E Smith St in Zone X, an area of minimal flood risk, though there have been 9 flood claims 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 Policies | 6 in force |
| Nearby Flood Claims | 9 (1986–2017) |
| Claims Outside the SFHA | 3 of 9 |
| Most Recent Claim | Aug 2017 |
| 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 1309 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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