Bay County property record for 203 E Gary St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,052 sqft · built 1953 |
| Lot Size | 0.231 acres (10,062 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Aug 2022) |
| Tax Bill | $2,954 (2026) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-017-255-014-00 |
| Primary APN | 160-017-255-014-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,052 sqft Living Area |
| 1st Floor Area | 848 sqft |
| Basement Area | 848 sqft |
| Unfinished Basement | 848 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 10,062 sqft (0.231 acres) |
| Lot Dimensions | 150 ft deep x 67 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 90 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 203 E GARY ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | COM 378 FT E & 220 FT N OF SW COR OF SW 1/4 OF NE 1/4 TH N 150 FT TH E 67.5 FT TH S 150 FT TH W 67.5 FT TO BEG SEC 17 T14NR5E |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 286600 |
203 E Gary St is owned and occupied by an individual who bought it in August 2022.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 203 E GARY ST, BAY CITY, MI 48706-3556 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2022 · Amount on File |
| Deed Sale | Aug 23, 2022 · Amount on File |
| Prior Sale | Sep 4, 2015 · Amount on File |
| Deed Document Number | 202212045 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 23, 2022 |
| Property Address | 203 E GARY ST, BAY CITY, MI 48706-3556 |
| Document Number | 0000012045 |
| Instrument Date | Aug 19, 2022 |
| Instrument | 202212045 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 203 E GARY ST, BAY CITY, MI 48706-3556 |
| Name | Verified Name |
|---|---|
| Address | 203 E GARY ST, BAY CITY, MI 48706-3556 |
| Document Number | 0000012046 |
|---|---|
| Date | Aug 23, 2022 |
| Instrument | 202212046 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
The 2026 property tax bill for 203 E Gary St was $2,954 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| Municipality | Bay City |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,954.00 Homeowner's exemption | $82,600 | $165,200 |
| 2023 | $58,400 | $116,800 | |
| 2022 | $2,467.00 |
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.
FEMA maps place 203 E Gary 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 risk around 203 E Gary St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
May also be available: T-Mobile.
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