1908 4th St, Bay City, MI 48708 Property Records

Bay County property record for 1908 4th St, Bay City, MI 48708

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,880 sqft · built 1920
Lot Size	0.161 acres (7,013 sqft)
Owner	Individual Name on Record
Last Sale	$134,000 (Nov 2024)
Tax Bill	$2,997 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Mar 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`160-022-378-003-00`

Property Details

APN / Parcel Number

Primary APN	`160-022-378-003-00`
Alternative APN	`0913002237800300`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,880 sqft Living Area
1st Floor Area	1,000 sqft
Basement Area	880 sqft
Unfinished Basement	1,000 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Lot Area	7,013 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Porch	Porch
Porch Area	309 sqft
Patio Area	9 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	1908 4TH ST
City	BAY CITY
State	MI
Zip	48708-6223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	LOT 4 BLK 5 H J H SCHUTJES SUB
Legal Subdivision	H J H SCHUTJES SUB
Legal Block	5
Legal Lot Number	4
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	4
Census Block	4010
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

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	1908 4TH ST, BAY CITY, MI 48708-6223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 5, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2024 · Amount on Record
Deed Sale	Nov 18, 2024 · Amount on Record
Prior Sale	Oct 6, 2016 · Amount on Record
Deed Document Number	202413481
Prior Transfer Date	Feb 27, 2008
Prior Transfer Doc	0025930931
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	1908 4TH ST, BAY CITY, MI 48708-6223
Transaction Type	Mortgage
Record Updated	Jan 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 4TH ST, BAY CITY, MI 48708-6223

Mortgage

Document Number	0000016159
Date	Nov 29, 2022
Instrument	202216159

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Mar 5, 2019
Property Address	1908 4TH ST, BAY CITY, MI 48708-6223
Document Number	0000002505
Instrument Date	Mar 5, 2019
Instrument	2505
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 4TH ST BAY CITY MI 487086223, BAY CITY, MI 48708-6223

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	1908 4TH ST, BAY CITY, MI 48708-6223
Document Number	0002170559
Instrument Date	Mar 9, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 4TH ST BAY CITY MI 487086223, BAY CITY, MI 48708-6223

Mortgage

Document Number	0002170559
Date	May 18, 2017
Book Page	000217/000559

Lender

Name	MISCELLANEOUS GOVT AGCY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$2,997.00 (+21.43%) Homeowner's exemption	$68,950 (+7.48%)	$137,900 (+7.48%)
2025	$2,468.00 (+2.7%) Homeowner's exemption	$64,150 (+32.4%)	$128,300 (+32.4%)
2023		$48,450	$96,900
2022	$2,403.00

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

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 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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