1816 9th St, Bay City, MI 48708 Property Records

Bay County property record for 1816 9th St, Bay City, MI 48708

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,028 sqft · built 1920
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Sep 2022)
Tax Bill	$5,999 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`160-027-129-004-00`

Property Details

APN / Parcel Number

Primary APN	`160-027-129-004-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,028 sqft Living Area
1st Floor Area	1,651 sqft
Basement Area	1,627 sqft
Unfinished Basement	1,651 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	168 sqft
Patio Area	846 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Municipal

Location & Zoning

Street Address	1816 9TH ST
City	BAY CITY
State	MI
Zip	48708-6742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	75 FT E & W BY 150.9 FT N & S BD N BY 9TH ST & W BY A LI PAR TO JOHNSON ST & 222 FT E THRFM PART OF LOT 1 OF SEC 27 T14NR5E
Legal Lot Number	1
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	3
Census Block	3010
Census Tract	280500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Center Avenue Neighborhood Historic District (Boundary Increase) listed 2012 · 877 contributing resources · NRIS 12001027

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1816 9th St is owned and occupied by two individuals who acquired it in September 2025.

Source: Bay County records, as of August 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1816 9TH ST, BAY CITY, MI 48708-6742
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 15, 2022	Deed of Trust, Mortgage · Commercial Mortgage FRANKENMUTH CU
Sep 18, 2025	Quit Claim Deed, Transfer · Conventional Mortgage CITADEL SERVICING CORPORATION
Sep 30, 2022	Warranty Deed, Transfer · Commercial Mortgage FINLEY CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2022 · Amount on File
Deed Sale	Sep 30, 2022 · Amount on File
Prior Sale	Jan 10, 2014 · Amount on File
Deed Document Number	202213896
Last Transfer Date	Sep 4, 2025
Transfer Doc	0000011761
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	1816 9TH ST, BAY CITY, MI 48708-6742
Transaction Type	Mortgage
Record Updated	Oct 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015699
Date	Nov 15, 2022
Instrument	202215699

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Nov 14, 2027

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Sep 18, 2025
Property Address	1816 9TH ST, BAY CITY, MI 48708-6742
Document Number	0000011761
Instrument Date	Sep 4, 2025
Instrument	202511761
Transaction Type	Transfer
Record Updated	Oct 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1816 9TH ST, BAY CITY, MI 48708-6742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1816 9TH ST, BAY CITY, MI 48708-6742

Mortgage

Document Number	0000011762
Date	Sep 18, 2025
Instrument	202511762

Lender

Name	CITADEL SERVICING CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Sep 30, 2022
Property Address	1816 9TH ST, BAY CITY, MI 48708-6742
Document Number	0000013896
Instrument Date	Sep 29, 2022
Instrument	202213896
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	509 E MIDLAND ST, 509, BAY CITY, MI 48706-4768

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 5TH ST #31 # 31, 31, LANSING, MI 48908

Mortgage

Document Number	0000013897
Date	Sep 30, 2022
Instrument	202213897

Lender

Name	FINLEY CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	6 Months
Due	Mar 29, 2023

Tax Assessment & Valuation

The 2026 property tax bill for 1816 9th St was $5,999 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	$5,999.00 Homeowner's exemption	$111,250 (+4.51%)	$222,500 (+4.51%)
2025		$106,450	$212,900
2024	$5,301.00
2023		$77,950	$155,900
2022	$2,918.00

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 1816 9th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 17, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1816 9th 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 751 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Air Advantage.

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