1415 E Smith St, Bay City, MI 48706 Property Records

Bay County property record for 1415 E Smith St, Bay City, MI 48706

Property Summary

Property Type	Apartments (5+ Units)
Details	4 ba · 4,473 sqft
Lot Size	0.309 acres (13,460 sqft)
Owner	Individual Name on File
Last Sale	$16,000 (Dec 2011)
Tax Bill	$2,771 (2026)
Deeds & Mortgages	Nov 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`160-016-230-015-00`

Property Details

APN / Parcel Number

Primary APN	`160-016-230-015-00`
Alternative APN	`0913001623001500`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	4,473 sqft Total Area
1st Floor Area	3,993 sqft
Basement Area	3,993 sqft
Unfinished Basement	3,993 sqft

Exterior

Exterior Material	Wood Siding
Roof Type	Flat
Lot Area	13,460 sqft (0.309 acres)
Lot Dimensions	128 ft deep x 105 ft wide
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	1415 E SMITH ST
City	BAY CITY
State	MI
Zip	48706-4174
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R-1 SINGLE
Legal Description	COM AT NW COR SMITH & PATTERSON STS TH N 100 FT TH W 193.5 FT TH SWLY TO PT ON N LI SMITH ST & 214.5 FT W OF E SEC LI TH ELY
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	1
Census Block	1007
Census Tract	281300

Owner

1415 E Smith St, a residential property, is owned and occupied by an individual who bought it in December 2011.

Source: Bay County records, as of August 3, 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 File
Mailing Address	1415 E SMITH ST, BAY CITY, MI 48706-4174
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2011 · Amount on File
Deed Sale	Dec 28, 2011 · Amount on File
Prior Sale	Mar 3, 2010 · Amount on File
Deed Book / Page	2845 / 332
Record Updated	Oct 29, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Nov 27, 2017
Property Address	1415 E SMITH ST, BAY CITY, MI 48706-4174
Document Number	0032510641
Book / Page	003251 / 000641
Instrument Date	Nov 27, 2017
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1504 MCCORMICK ST BAY CITY MI 487088324, BAY CITY, MI 48708-8324

Tax Assessment & Valuation

The 2026 property tax bill for 1415 E Smith St was $2,771 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	$2,771.00 Homeowner's exemption	$112,750	$225,500
2023		$74,300	$148,600
2022	$2,158.00

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

Flood

FEMA maps place 1415 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	Severe Storms And Flooding, Jun 1996 · 2 claims Severe Storms & Flooding, Sep 1986 · 2 claims

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

Wildfire risk around 1415 E Smith St is low, with less than a 0.01% annual chance of wildfire.

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.

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 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