1515 11th St, Bay City, MI 48708 Property Records

Bay County property record for 1515 11th St, Bay City, MI 48708

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,464 sqft · built 1872
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$54,000 (Apr 2026)
Tax Bill	$1,437 (2026)
Deeds & Mortgages	Mar 2022 Line of Credit Apr 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`160-027-114-015-00`

Property Details

APN / Parcel Number

Primary APN	`160-027-114-015-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,464 sqft Living Area
1st Floor Area	1,088 sqft
Basement Area	1,088 sqft
Unfinished Basement	1,088 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1872
Effective Year Built	Effective 1872
Architectural Style	Traditional
Roof Type	Gable
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	100 ft deep x 48 ft wide
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	186 sqft
Patio Area	560 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	1515 11TH ST
City	BAY CITY
State	MI
Zip	48708-6754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	S 100 FT OF W 48.225 FT OF E 118.255 FT OF LOT B SUB OF OUTLOT 15 IN JOHN RILEYS RESERVATION T14NR5E
Legal Subdivision	JOHN RILEYS RESERVATION
Legal Lot Number	B
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	2
Census Block	2006
Census Tract	280400

Owner

Source: Bay County records, as of September 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1410 PIERCE RD, SAGINAW, MI 48604-9725
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 28, 2026	Warranty Deed, Transfer CISLO TITLE
Dec 12, 2025	Sheriff's Deed, Foreclosure
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE CHARTERED CU
Mar 6, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2026 · Amount on Record
Deed Sale	Apr 28, 2026 · Amount on Record
Prior Sale	Dec 12, 2025 · Amount on Record
Deed Document Number	20265915
Prior Transfer Date	Nov 21, 2025
Prior Transfer Doc	0000015368
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	1515 11TH ST, BAY CITY, MI 48708-6754
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003807
Date	Mar 16, 2022
Instrument	202203807

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Apr 6, 2037

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Apr 28, 2026
Property Address	1515 11TH ST, BAY CITY, MI 48708-6754
Document Number	0000005915
Instrument Date	Apr 24, 2026
Instrument	20265915
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	CISLO TITLE

Transaction

Amount	Amount Recorded
Tax	$40,905.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1410 PIERCE RD, SAGINAW, MI 48604-9725

December 2025: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BAY MI
Recording Date	Dec 12, 2025
Property Address	1515 11TH ST, BAY CITY, MI 48708-6754
Document Number	0000015368
Instrument Date	Nov 21, 2025
Instrument	202515368
Transaction Type	Foreclosure
Record Updated	May 18, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6225 S LAPEER RD, LAPEER, MI 48446

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	1515 11TH ST, BAY CITY, MI 48708-6754
Document Number	0000006710
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 11TH ST BAY CITY BAY CITY MI 48708, BAY CITY, MI 48708

Mortgage

Document Number	0000006710
Date	May 22, 2020
Instrument	6710

Lender

Name	STATE CHARTERED CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 21, 2035

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Mar 6, 2020
Property Address	1515 11TH ST, BAY CITY, MI 48708-6754
Document Number	0000002894
Instrument Date	Mar 6, 2020
Instrument	2894
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$129.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	917 SHADY SHORE DR BAY CITY MI 487061963, BAY CITY, MI 48706-1963

Tax Assessment & Valuation

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	$1,437.00 (+3.01%) Homeowner's exemption	$41,750 (+5.43%)	$83,500 (+5.43%)
2025		$39,600 (+28.36%)	$79,200 (+28.36%)
2024	$1,395.00 (+11.07%)
2023		$30,850	$61,700
2022	$1,256.00

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

Flood

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

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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