1412 11th St, Bay City, MI 48708 Property Records

Bay County property record for 1412 11th St, Bay City, MI 48708

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,104 sqft · built 1926
Lot Size	0.127 acres (5,532 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Oct 2023)
Tax Bill	$2,442 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`160-027-151-003-00`

Property Details

APN / Parcel Number

Primary APN	`160-027-151-003-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,104 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	5,532 sqft (0.127 acres)
Lot Dimensions	113 ft deep x 49 ft wide
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	1412 11TH ST
City	BAY CITY
State	MI
Zip	48708-6634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	LOT 3 BLK 1 WM JENNISONS 1ST ADD TO BC
Legal Subdivision	WILLIAM JENNISONS FIRST ADDITION
Legal Block	1
Legal Lot Number	3
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	2
Census Block	2011
Census Tract	280400

Owner

1412 11th St is owned and occupied by an individual who bought it in October 2023.

Source: Bay County records, as of May 18, 2026

Owner of Record	Individual Name on File
Mailing Address	1412 11TH ST, BAY CITY, MI 48708-6634
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

Date	Document
Oct 4, 2023	Warranty Deed, Transfer · Conventional Mortgage PREMIER HOME AND FINANCE CO
Jul 2, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2023 · Amount on File
Deed Sale	Oct 4, 2023 · Amount on File
Prior Sale	May 22, 1995 · Amount on File
Deed Document Number	202311182
Prior Transfer Date	Apr 8, 2003
Prior Transfer Doc	2022000557
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Oct 4, 2023
Property Address	1412 11TH ST, BAY CITY, MI 48708-6634
Document Number	0000011182
Map Reference	LB 3 PG 30
Instrument Date	Sep 29, 2023
Instrument	202311182
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1412 11TH ST, BAY CITY, MI 48708-6634

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2244 COLBERG LN, MUNGER, MI 48747-9300

Mortgage

Document Number	0000011183
Date	Oct 4, 2023
Instrument	202311183

Lender

Name	PREMIER HOME AND FINANCE CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2053

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Jul 2, 2021
Property Address	1412 11TH ST, BAY CITY, MI 48708-6634
Document Number	0000011624
Map Reference	LB 3 PG 30
Instrument Date	Jun 29, 2021
Instrument	202111624
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Tax	$129.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1412 11TH ST, 1412, BAY CITY, MI 48708-6634

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1412 11TH ST, BAY CITY, MI 48708-6634

Tax Assessment & Valuation

The 2026 property tax bill for 1412 11th St was $2,442 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	$2,442.00 Homeowner's exemption	$59,450	$118,900
2023		$30,200	$60,400
2022	$1,225.00

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 1412 11th St in Zone X, an area of minimal flood risk.

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	1 in force

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 1412 11th 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 820 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
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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