Bay County property record for 1406 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 997 sqft · built 1930 |
| Lot Size | 0.287 acres (12,502 sqft) |
| Owner | Company Name on Record |
| Last Sale | $12,500 (Aug 2017) |
| Tax Bill | $1,173 (2026) |
| Deeds & Mortgages | Apr 2024 Transfer Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-284-003-00 |
| Primary APN | 160-016-284-003-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 997 sqft Living Area |
| 1st Floor Area | 742 sqft |
| Basement Area | 742 sqft |
| Unfinished Basement | 742 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 12,502 sqft (0.287 acres) |
| Lot Dimensions | 100 ft deep x 125 ft wide |
| Porch | Porch |
| Porch Area | 141 sqft |
| Patio Area | 320 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 1406 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 | LOTS 2 & 3 & E 1/2 OF LOT 4 BLK 1 DEROSIAS ADD TO W BC. (COMB W/-002 FOR 2002) |
| Legal Subdivision | DEROSIAS ADD |
| Legal Block | 1 |
| Legal Lot Number | 2-4 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 281300 |
Source: Bay County records, as of May 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3473 STATE STREET RD, BAY CITY, MI 48706-1830 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Apr 30, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Aug 15, 2017 | Warranty Deed, Transfer · Commercial Mortgage CHEMICAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2017 · Amount on Record |
| Deed Sale | Aug 15, 2017 · Amount on Record |
| Prior Sale | Dec 10, 2008 · Amount on Record |
| Deed Book / Page | 3233 / 93 |
| Last Transfer Date | Apr 30, 2024 |
| Transfer Doc | 0000005588 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Apr 30, 2024 |
| Property Address | 1406 E SMITH ST, BAY CITY, MI 48706-4146 |
| Document Number | 0000005588 |
| Map Reference | LB 3 PG 17 |
| Instrument Date | Apr 30, 2024 |
| Instrument | 202405588 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 3473 STATE STREET RD, BAY CITY, MI 48706-1830 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 15, 2017 |
| Property Address | 1406 E SMITH ST, BAY CITY, MI 48706-4146 |
| Document Number | 0032330093 |
| Book / Page | 3233 / 093 |
| Map Reference | LB3 PG17 |
| Instrument Date | Aug 4, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $107.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1305 BRADFIELD ST, 1305, BAY CITY, MI 48706-4101 |
| Name | Verified Name |
|---|---|
| Address | 1406 E SMITH ST, BAY CITY, MI 48706-4146 |
| Document Number | 0032330095 |
|---|---|
| Date | Aug 15, 2017 |
| Book Page | 3233/095 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | MIDLAND, MI 48640 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $1,173.00 (+14.55%) | $32,550 (+3.99%) | $65,100 (+3.99%) |
| 2025 | $1,024.00 (-0.29%) | $31,300 (+29.61%) | $62,600 (+29.61%) |
| 2023 | $24,150 | $48,300 | |
| 2022 | $1,027.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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