200 E Smith St, Bay City, MI 48706 Property Records

Bay County property record for 200 E Smith St, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,232 sqft · built 1950
Lot Size	0.142 acres (6,186 sqft)
Owner	Individual Name on Record
Tax Bill	$1,265 (2026)
Deeds & Mortgages	May 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160-016-155-001-00`

Property Details

APN / Parcel Number

Primary APN	`160-016-155-001-00`
Alternative APN	`0913001615500100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	480 sqft
Unfinished Basement	1,232 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Roof Type	Gable
Lot Area	6,186 sqft (0.142 acres)
Lot Dimensions	105 ft deep x 59 ft wide
Porch	Porch
Porch Area	230 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	200 E SMITH ST
City	BAY CITY
State	MI
Zip	48706-3877
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	COM AT S E COR BRADLEY & SMITH STS TH S 100 FT TH E 62 FT TH NLY 109 FT TO A PT 55 FT NELY FR BEG TH SWLY 55 FT TO BEG SEC 16
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	3
Census Block	3015
Census Tract	281300

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	200 E SMITH ST, BAY CITY, MI 48706-3877
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 1999
Deed Sale	Sep 28, 1999
Prior Sale	Feb 1, 1994 · Amount on Record
Deed Book / Page	1639 / 32
Last Transfer Date	Mar 6, 2009
Transfer Doc	0026620305
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	200 E SMITH ST, BAY CITY, MI 48706-3877
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 E SMITH ST, BAY CITY, MI 48706-3877

Mortgage

Document Number	0000005790
Date	May 2, 2025
Instrument	202505790

Lender

Name	CITY OF BAY CITY
Type	Government Agency
Address	BAY CITY, MI 48708

Agreement

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	$1,265.00 (+21.4%) Homeowner's exemption	$45,250 (+11.32%)	$90,500 (+11.32%)
2025	$1,042.00 (-5.7%) Homeowner's exemption	$40,650 (+31.34%)	$81,300 (+31.34%)
2023		$30,950	$61,900
2022	$1,105.00

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 Claims	2 (1979–1983)
Most Recent Claim	Mar 1983 · rainfall accumulation

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 572 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20