Bay County property record for 1410 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,099 sqft · built 1926 |
| Lot Size | 0.254 acres (11,064 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Sep 2023) |
| Tax Bill | $1,525 (2026) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Jul 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-284-005-00 |
| Primary APN | 160-016-284-005-00 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 2,099 sqft Living Area |
| 1st Floor Area | 1,939 sqft |
| Basement Area | 896 sqft |
| Unfinished Basement | 1,939 sqft |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 11,064 sqft (0.254 acres) |
| Lot Dimensions | 204 ft deep x 54 ft wide |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 133 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 1410 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 | COM ON S ROW LI OF SMITH ST AT NE COR OF DEROSIAS ADD TO W BC TH S 204.36 FT TH ELY PAR TO SMITH ST 54 FT TH N 204.56 FT TO S |
| Legal Subdivision | OF DEROSIAS ADD TO W BC |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 281300 |
1410 E Smith St is owned and occupied by an individual who bought it in September 2023.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1410 E SMITH ST, BAY CITY, MI 48706-4146 |
| 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.
| Date | Document |
|---|---|
| Sep 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage FINANCIALEDGE COMMUNITY CU |
| Jul 25, 2023 | Intrafamily Transfer, Transfer |
| Sep 22, 2022 | Intrafamily Transfer, Transfer |
| Aug 8, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2023 · Amount on File |
| Deed Sale | Sep 22, 2023 · Amount on File |
| Deed Document Number | 202310703 |
| Prior Transfer Date | Aug 2, 2017 |
| Prior Transfer Doc | 0032310989 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 22, 2023 |
| Property Address | 1410 E SMITH ST, BAY CITY, MI 48706-4146 |
| Document Number | 0000010703 |
| Instrument Date | Sep 21, 2023 |
| Instrument | 202310703 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 1410 E SMITH ST, BAY CITY, MI 48706-4146 |
| Name | Verified Name |
|---|---|
| Address | 1410 E SMITH ST, BAY CITY, MI 48706-4146 |
| Document Number | 0000010704 |
|---|---|
| Date | Sep 22, 2023 |
| Instrument | 202310704 |
| Name | FINANCIALEDGE COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jul 25, 2023 |
| Property Address | 1410 E SMITH ST, BAY CITY, MI 48706-4146 |
| Document Number | 0000008410 |
| Instrument Date | Jul 25, 2023 |
| Instrument | 202308410 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1805 PRAIRIE ST, ESSEXVILLE, MI 48732-1449 |
| Name | Verified Name |
|---|---|
| Address | 1400 E SMITH ST, BAY CITY, MI 48706-4146 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 22, 2022 |
| Property Address | 1410 E SMITH ST, BAY CITY, MI 48706-4146 |
| Document Number | 0000013491 |
| Instrument Date | Sep 17, 2022 |
| Instrument | 202213491 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1805 PRAINE ST, ESSEXVILLE, MI 48732 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 8, 2017 |
| Property Address | 1410 E SMITH ST, BAY CITY, MI 48706-4146 |
| Document Number | 0032310989 |
| Book / Page | 003231 / 000989 |
| Instrument Date | Aug 2, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1410 E SMITH ST BAY CITY MI 487064146, BAY CITY, MI 48706-4146 |
The 2026 property tax bill for 1410 E Smith St was $1,525 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 | $1,525.00 (+21.42%) Homeowner's exemption | $73,300 (+3.9%) | $146,600 (+3.9%) |
| 2025 | $1,256.00 Homeowner's exemption | $70,550 | $141,100 |
| 2023 | $55,400 | $110,800 | |
| 2022 | $1,333.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1410 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.
The area around 1410 E Smith 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.
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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