1817 3rd St, Bay City, MI 48708 Property Records

Bay County property record for 1817 3rd St, Bay City, MI 48708

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,139 sqft · built 1902
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$80,500 (May 2019)
Tax Bill	$2,650 (2026)
Deeds & Mortgages	Mar 2022 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160-022-328-015-00`

Property Details

APN / Parcel Number

Primary APN	`160-022-328-015-00`
Alternative APN	`0913002232801500`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,139 sqft Living Area
1st Floor Area	1,405 sqft
Basement Area	1,405 sqft
Unfinished Basement	1,405 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Exterior Material	Wood Siding
Roof Type	Gable
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Municipal

Location & Zoning

Street Address	1817 3RD ST
City	BAY CITY
State	MI
Zip	48708-6212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	LOT 14 BLK 7 MCEWAN & JENNISONS ADD TO BC
Legal Subdivision	MCEWAN & JENNISONS ADD
Legal Block	7
Legal Lot Number	14
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	4
Census Block	4005
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

1817 3rd St is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1817 3RD ST, BAY CITY, MI 48708-6212
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
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
May 24, 2019	Warranty Deed, Transfer · Conventional with PMI INDEPENDENT BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2019 · Amount on File
Deed Sale	May 24, 2019 · Amount on File
Prior Sale	Dec 3, 2014 · Amount on File
Deed Document Number	20197520
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	1817 3RD ST, BAY CITY, MI 48708-6212
Transaction Type	Mortgage
Record Updated	Apr 13, 2022
Title Company	CENTURION LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1817 3RD ST, BAY CITY, MI 48708-6212

Mortgage

Document Number	0000003774
Date	Mar 16, 2022
Instrument	202203774

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	May 24, 2019
Property Address	1817 3RD ST, BAY CITY, MI 48708-6212
Document Number	0000007520
Instrument Date	May 20, 2019
Instrument	7520
Transaction Type	Transfer
Record Updated	Jul 12, 2019
Title Company	DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$692.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 PEARSON ST FERNDALE MI 482201687, FERNDALE, MI 48220-1687

Mortgage

Document Number	7521
Date	May 24, 2019
Instrument	7521

Lender

Name	INDEPENDENT BK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 23, 2049

Mortgage

Document Number	7522,
Date	May 24, 2019
Instrument	7522

Lender

Name	MICHIGAN ST HSNG DEV AUTH
Address	LANSING, MI 48912

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 1817 3rd St was $2,650 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	$2,650.00 Homeowner's exemption	$85,100	$170,200
2023		$61,700	$123,400
2022	$2,316.00

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

Flood

FEMA maps place 1817 3rd 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 1817 3rd 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 596 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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