Bay County property record for 204 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,150 sqft · built 1900 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $87,500 (Jan 2024) |
| Tax Bill | $2,117 (2026) |
| Deeds & Mortgages | Feb 2024 Transfer Jan 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-155-004-00 |
| Primary APN | 160-016-155-004-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,150 sqft Living Area |
| 1st Floor Area | 831 sqft |
| Basement Area | 731 sqft |
| Unfinished Basement | 831 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 166 ft deep x 63 ft wide |
| Porch | Porch |
| Porch Area | 108 sqft |
| Patio Area | 360 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 204 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 ON THE S LI OF SMITH ST 411.8 FT SWLY FROM THE SW COR OF SMITH & SIDNEY STS TH SWLY ALG SD S LI SMITH ST 63 FT M/L TH SLY |
| Legal Range | 05E |
| Legal Township | 14N |
| Legal Section | 16 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 281300 |
204 E Smith St is owned and occupied by an individual who bought it in January 2024.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 204 E SMITH ST, BAY CITY, MI 48706-3877 |
| 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.
| Date | Document |
|---|---|
| Feb 22, 2024 | Correction Deed |
| Jan 16, 2024 | Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION |
| Jan 21, 2021 | Deed of Trust, Mortgage · Line of Credit JOLT CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 16, 2024 · Amount on File |
| Deed Sale | Jan 16, 2024 · Amount on File |
| Prior Sale | Jan 14, 2016 · Amount on File |
| Deed Document Number | 2024472 |
| Prior Transfer Date | Dec 13, 2007 |
| Prior Transfer Doc | 0025800762 |
| Record Updated | Oct 29, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Feb 22, 2024 |
| Property Address | 204 E SMITH ST, BAY CITY, MI 48706-3877 |
| Document Number | 0000001791 |
| Instrument Date | Feb 19, 2024 |
| Instrument | 202401791 |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|---|
| Address | 204 E SMITH ST, BAY CITY, MI 48706-3877 |
| Name | Verified Name |
|---|---|
| Address | 12140 WOODCREST EXECUTIVE DR STE 150, 150, SAINT LOUIS, MO 63141-5000 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jan 16, 2024 |
| Property Address | 204 E SMITH ST, BAY CITY, MI 48706-3877 |
| Document Number | 0000000472 |
| Instrument Date | Jan 12, 2024 |
| Instrument | 202400472 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $656.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 204 E SMITH ST, BAY CITY, MI 48706-3877 |
| Name | Verified Name |
|---|---|
| Address | 601 ELM ST, BAY CITY, MI 48706-3982 |
| Document Number | 0000000473 |
|---|---|
| Date | Jan 16, 2024 |
| Instrument | 202400473 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Number | 0000000474 |
|---|---|
| Date | Jan 16, 2024 |
| Instrument | 202400474 |
| Name | MICHIGAN STATE HOUSING DEV AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | LANSING, MI 48912 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 204 W SMITH ST, BAY CITY, MI 48706-3604 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2022 |
| Title Company | DEVON TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000001168 |
|---|---|
| Date | Jan 21, 2021 |
| Instrument | 202101168 |
| Name | JOLT CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48603 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 6, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 204 E Smith St was $2,117 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 | $2,117.00 Homeowner's exemption | $44,900 | $89,800 |
| 2023 | $30,700 | $61,400 | |
| 2022 | $906.00 |
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 204 E Smith St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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.
The area around 204 E Smith 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.
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 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 |
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