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

Bay County property record for 206 E Smith St, Bay City, MI 48706

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 654 sqft · built 1910
Lot Size0.098 acres (4,269 sqft)
OwnerIndividual Name on Record
Last Sale$74,000 (Dec 2023)
Tax Bill$1,235 (2026)
Deeds & MortgagesDec 2023 Sale & Mortgage
Feb 2020 Transfer
Flood ZoneZone X (minimal risk)
APN160-016-155-005-00

Property Details

APN / Parcel Number

Primary APN160-016-155-005-00
Alternative APN
  • 0913001615500500

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms2 Rooms
Building Area654 sqft Living Area
1st Floor Area654 sqft
Basement Area598 sqft
Unfinished Basement654 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Exterior MaterialWood Siding
Roof TypeGable
Lot Area4,269 sqft (0.098 acres)
Lot Dimensions102 ft deep x 42 ft wide
Patio Area120 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
SewerMunicipal

Location & Zoning

Street Address206 E SMITH ST
CityBAY CITY
StateMI
Zip48706-3877
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1 SINGLE
Legal DescriptionCOM 369.40 FT WLY OF SW COR SIDNEY & SMITH STS TH S 102.05 FT TH W 42 FT TH N TO SMITH ST TH ELY 42 FT TO BEG SEC 16 T14NR5E
JurisdictionBAY MI
Township / Civil DivisionBAY CITY
Census Block Group3
Census Block3015
Census Tract281300

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 RecordIndividual Name on Record
Mailing Address206 E SMITH ST, BAY CITY, MI 48706-3877
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 20, 2023Warranty Deed, Transfer · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Feb 20, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 20, 2023 · Amount on Record
Deed SaleDec 20, 2023 · Amount on Record
Prior SaleMay 2, 1994 · Amount on Record
Deed Document Number202313882
Prior Transfer DateFeb 20, 2020
Prior Transfer Doc0000002248
Record UpdatedOct 29, 2026

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY MI
Recording DateDec 20, 2023
Property Address206 E SMITH ST, BAY CITY, MI 48706-3877
Document Number0000013882
Instrument DateDec 14, 2023
Instrument202313882
Transaction TypeTransfer
Record UpdatedMay 18, 2026
Title CompanyCROSSROADS TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$555.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address206 SMITH ST, BAY CITY, MI 48706

Transferred To (Grantee/Buyer)

NameVerified Name
Address206 SMITH ST, BAY CITY, MI 48706

Mortgage

Document Number0000013883
DateDec 20, 2023
Instrument202313883
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2054

February 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY MI
Recording DateFeb 20, 2020
Property Address206 W SMITH ST, BAY CITY, MI 48706-3604
Document Number0000002248
Instrument DateFeb 20, 2020
Instrument2248
Transaction TypeTransfer
Record UpdatedJun 19, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address206 E SMITH ST BAY CITY MI 487063877, BAY CITY, MI 48706-3877

Tax Assessment & Valuation

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyBay County
MunicipalityBay City
Unified School DistrictBay City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,235.00 (+81.35%) Homeowner's exemption$30,250 (+55.13%)$60,500 (+55.13%)
2023$19,500$39,000
2022$681.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (1979–1983)
Most Recent ClaimMar 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 RiskNot 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 SystemCITY OF BAY CITY
serves 32,255 people · EPA ID MI0000470
Water SourcePurchased surface water from BAY AREA WATER SYSTEM
Last State InspectionNov 2025
Lead8 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jan 2024
Monitoring and ReportingNone
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

ProviderMax 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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