1908 5th St, Bay City, MI 48708 Property Records

Bay County property record for 1908 5th St, Bay City, MI 48708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,114 sqft · built 1910
Lot Size	0.161 acres (7,013 sqft)
Owner	Individual Name on Record
Last Sale	$131,000 (Jan 2019)
Tax Bill	$2,990 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`160-022-380-008-00`

Property Details

APN / Parcel Number

Primary APN	`160-022-380-008-00`
Alternative APN	`0913002238000800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,114 sqft Living Area
1st Floor Area	1,431 sqft
Basement Area	1,371 sqft
Unfinished Basement	1,371 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	7,013 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1908 5TH ST
City	BAY CITY
State	MI
Zip	48708-6231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	A PAR 50 FT E & W BY 140 FT N & S BD N BY 5TH AVE & E BY A LI PAR TO PENDELTON ST & 150 FT W THRFR PT OF LOT 7 SEC 22 T14NR5E
Legal Lot Number	7
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	4
Census Block	4012
Census Tract	280500

Historic Designation

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

Historic District	Within the Center Avenue Neighborhood Residential District listed 1982 · 225 contributing resources · NRIS 82002826

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 September 29, 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 5TH ST, BAY CITY, MI 48708-6231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PLUS CREDIT UNION
Apr 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 17, 2019	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN ST HSNG DEV AUTH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2019 · Amount on Record
Deed Sale	Jan 17, 2019 · Amount on Record
Prior Sale	Jul 23, 1993 · Amount on Record
Deed Document Number	2019712
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Recording Date	Sep 16, 2026
Property Address	1908 5TH ST, BAY CITY, MI 48708-6231
Document Number	0000012125
Instrument Date	Sep 11, 2026
Instrument	202612125
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	TRANSNATION TITLE AGENCY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 5TH ST, BAY CITY, MI 48708-6231

Mortgage

Document Number	0000012125,
Date	Sep 16, 2026
Instrument	202612125

Lender

Name	FINANCIAL PLUS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	1908 5TH ST, BAY CITY, MI 48708-6231
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 5TH ST, BAY CITY, MI 48708-6231

Mortgage

Document Number	0000004875
Date	Apr 6, 2022
Instrument	202204875

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jan 17, 2019
Property Address	1908 5TH ST, BAY CITY, MI 48708-6231
Document Number	0000000712
Instrument Date	Jan 7, 2019
Instrument	712
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,126.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 LINCOLN DR BRIGHTON MI 481163793, BRIGHTON, MI 48116-3793

Mortgage

Document Number	714
Date	Jan 17, 2019
Instrument	714

Lender

Name	MICHIGAN ST HSNG DEV AUTH
Address	LANSING, MI 48912

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	713,
Date	Jan 17, 2019
Instrument	713

Lender

Name	PLATINUM HM MTG
Type	Mortgage Company
Address	ROLLING MEADOWS, IL 60008

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2049

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	$2,990.00 (+14.47%) Homeowner's exemption	$90,600 (+33.43%)	$181,200 (+33.43%)
2023		$67,900	$135,800
2022	$2,612.00

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 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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