1400 E Smith St, Bay City, MI 48706 Property Records

Bay County property record for 1400 E Smith St, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,099 sqft · built 1950
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$79,900 (Jul 2025)
Tax Bill	$1,705 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160-016-284-001-00`

Property Details

APN / Parcel Number

Primary APN	`160-016-284-001-00`
Alternative APN	`0913001628400100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,099 sqft Living Area
1st Floor Area	1,099 sqft
Basement Area	1,116 sqft
Unfinished Basement	1,116 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	197 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Municipal

Location & Zoning

Street Address	1400 E SMITH ST
City	BAY CITY
State	MI
Zip	48706-4146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	LOT 5 & W 1/2 OF LOT 4 BLK 1 DEROSIAS ADD TO W BC
Legal Subdivision	DEROSIAS ADD
Legal Block	1
Legal Lot Number	4-5
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	1
Census Block	1009
Census Tract	281300

Owner

1400 E Smith St is owned and occupied by an individual who bought it in July 2025.

Source: Bay County records, as of August 3, 2026

Owner of Record	Individual Name on File
Mailing Address	3192 OLD KAWKAWLIN RD, BAY CITY, MI 48706-1524
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2025 · Amount on File
Deed Sale	Jul 25, 2025 · Amount on File
Prior Sale	May 4, 2010 · Amount on File
Deed Document Number	20259243
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jul 25, 2025
Property Address	1400 E SMITH ST, BAY CITY, MI 48706-4146
Document Number	0000009243
Map Reference	LB 3 PG 7
Instrument Date	Jul 22, 2025
Instrument	202509243
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2030 E BEAVER RD, KAWKAWLIN, MI 48631-9147

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3192 OLD KAWKAWLIN RD, BAY CITY, MI 48706-1524

Mortgage

Document Number	0000009244
Date	Jul 25, 2025
Instrument	202509244

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 1400 E Smith St was $1,705 with a homeowner's exemption.

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
Municipality	Bay City
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,705.00 Homeowner's exemption	$41,800	$83,600
2023		$35,550	$71,100
2022	$1,578.00

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.

Flood

FEMA maps place 1400 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	Severe Storms And Flooding, Jun 1996 · 2 claims Severe Storms & Flooding, Sep 1986 · 2 claims

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

Wildfire risk around 1400 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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