Bay County property record for 1409 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 924 sqft · built 1947 |
| Lot Size | 0.138 acres (6,011 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $40,000 (Jun 1990) |
| Tax Bill | $1,501 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-228-025-00 |
| Primary APN | 160-016-228-025-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 924 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Basement Area | 924 sqft |
| Unfinished Basement | 924 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Hip |
| Lot Area | 6,011 sqft (0.138 acres) |
| Lot Dimensions | 118 ft deep x 51 ft wide |
| Garage Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 1409 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-5400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | W 50 FT OF E 444.50 FT OF SE 1/4 OF NE 1/4 LYG N OF SMITH ST EX N 128.15 FT THRF SEC 16 T14NR5E |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 281300 |
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 | 1409 E SMITH ST, BAY CITY, MI 48706-5400 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 1990 · Amount on Record |
| Deed Sale | Jun 1, 1990 · Amount on Record |
| Deed Book / Page | 1143 / 316 |
| Last Transfer Date | Mar 26, 2012 |
| Transfer Doc | 0030260498 |
| Record Updated | Jun 8, 2026 |
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 | $1,501.00 (+21.44%) Homeowner's exemption | $52,150 (+8.87%) | $104,300 (+8.87%) |
| 2025 | $1,236.00 (-5.72%) Homeowner's exemption | $47,900 (+29.46%) | $95,800 (+29.46%) |
| 2023 | $37,000 | $74,000 | |
| 2022 | $1,311.00 |
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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