1409 Webster St, Bay City, MI 48708 Property Records

Bay County property record for 1409 Webster St, Bay City, MI 48708

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,278 sqft · built 1915
Lot Size	0.303 acres (13,199 sqft)
Owner	2 Individual Names on File
Last Sale	$25,000 (Jul 2012)
Tax Bill	$1,601 (2026)
Deeds & Mortgages	Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`160-032-493-003-00`

Property Details

APN / Parcel Number

Primary APN	`160-032-493-003-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,278 sqft Living Area
1st Floor Area	1,009 sqft
Basement Area	643 sqft
Unfinished Basement	1,009 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1997
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	13,199 sqft (0.303 acres)
Lot Dimensions	110 ft deep x 120 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	161 sqft
Patio Area	1,356 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	1409 WEBSTER ST
City	BAY CITY
State	MI
Zip	48708-8359
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2 DUPLEX
Legal Description	LOTS 2 & 3 & N 20 FT OF LOT 4 BLK 17 TROMBLES ADD TO HIS DIVISION OF PORTSMOUTH & W 1/2 VAC ALLEY ADJ THRTO. (COMB W/-002 FOR
Legal Subdivision	TROMBLES ADD TO HIS DIVISION
Legal Block	17
Legal Lot Number	2-4
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	3
Census Block	3037
Census Tract	280900

Owner

1409 Webster St is owned and occupied by two individuals who acquired it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1409 WEBSTER ST, BAY CITY, MI 48708-8359
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	2 Names on Deed
Last Sale	Jul 16, 2012 · Amount on File
Deed Sale	Jul 16, 2012 · Amount on File
Prior Sale	Dec 3, 2001
Deed Book / Page	2889 / 356
Last Transfer Date	Feb 8, 2018
Transfer Doc	0000001961
Record Updated	Oct 29, 2026

February 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Feb 20, 2018
Property Address	1409 WEBSTER ST, BAY CITY, MI 48708-8359
Document Number	0000001961
Instrument Date	Feb 8, 2018
Instrument	1961
Transaction Type	Mortgage
Record Updated	Apr 16, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1409 WEBSTER ST BAY CITY MI 487088359, BAY CITY, MI 48708-8359

Mortgage

Document Number	1962
Date	Feb 20, 2018
Instrument	1962

Lender

Name	CATHOLIC FCU
Type	Credit Union
Address	SAGINAW, MI 48603

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 19, 2033

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1409 Webster St was $1,601 with a homeowner's exemption, up 21.4% from the year before.

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	$1,601.00 (+21.38%) Homeowner's exemption	$51,650 (+4.98%)	$103,300 (+4.98%)
2025	$1,319.00 Homeowner's exemption	$49,200	$98,400
2023		$38,000	$76,000
2022	$1,399.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1409 Webster 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.

Wildfire

The area around 1409 Webster 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.

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 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