Bay County property record for 1413 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,031 sqft · built 1890 |
| Lot Size | 0.295 acres (12,850 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $37,000 (Aug 1990) |
| Tax Bill | $1,211 (2026) |
| Deeds & Mortgages | Aug 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-230-014-00 |
| Primary APN | 160-016-230-014-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,031 sqft Living Area |
| 1st Floor Area | 761 sqft |
| Basement Area | 540 sqft |
| Unfinished Basement | 761 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 12,850 sqft (0.295 acres) |
| Lot Dimensions | 160 ft deep x 80 ft wide |
| Porch | Porch |
| Porch Area | 294 sqft |
| Patio Area | 60 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 1413 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-4174 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | W 80 FT OF E 294.50 FT OF SE 1/4 OF NE 1/4 SEC 16 T14NR5E LYG N OF SMITH ST EXC N 40 FT & EXC TRIANGULAR PIECE COM ON C/L |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1413 E SMITH ST, BAY CITY, MI 48706-4174 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 1990 · Amount on Record |
| Deed Sale | Aug 1, 1990 · Amount on Record |
| Deed Book / Page | 1149 / 512 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 1413 E SMITH ST, BAY CITY, MI 48706-4174 |
| Document Number | 0000012211 |
| Instrument Date | Aug 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1413 E SMITH ST BAY CITY MI 487064174, BAY CITY, MI 48706-4174 |
| Document Number | 0000012211 |
|---|---|
| Date | Sep 3, 2019 |
| Instrument | 12211 |
| Name | GREAT LKS FCU |
|---|---|
| Address | BAY CITY, MI 48708 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Sep 2, 2022 |
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 | $1,211.00 (+28.56%) Homeowner's exemption | $47,950 (+49.14%) | $95,900 (+49.14%) |
| 2023 | $32,150 | $64,300 | |
| 2022 | $942.00 |
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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