Bay County property record for 207 E Thomas St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 991 sqft · built 1901 |
| Lot Size | 0.057 acres (2,483 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $56,400 (Sep 2025) |
| Tax Bill | $1,601 (2026) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Apr 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-020-452-016-00 |
| Primary APN | 160-020-452-016-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 991 sqft Living Area |
| 1st Floor Area | 991 sqft |
| Basement Area | 1,006 sqft |
| Unfinished Basement | 1,006 sqft |
| Year Built | Built 1901 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 2,483 sqft (0.057 acres) |
| Lot Dimensions | 50 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 218 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 207 E THOMAS ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-4673 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | E 1/2 OF LOT 9 BLK 25 LAKE CITY |
| Legal Subdivision | LAKE CITY |
| Legal Block | 25 |
| Legal Lot Number | 9 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3048 |
| Census Tract | 286600 |
Source: Bay County records, as of May 18, 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 | 207 E THOMAS ST, BAY CITY, MI 48706-4673 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Sep 22, 2025 | Warranty Deed, Transfer · Conventional Mortgage FINANCIALEDGE COMMUNITY CU |
| Apr 13, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2025 · Amount on Record |
| Deed Sale | Sep 22, 2025 · Amount on Record |
| Prior Sale | Dec 15, 2009 · Amount on Record |
| Deed Document Number | 202512003 |
| Prior Transfer Date | Oct 29, 2010 |
| Prior Transfer Doc | 0027670838 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 22, 2025 |
| Property Address | 207 E THOMAS ST, BAY CITY, MI 48706-4673 |
| Document Number | 0000012003 |
| Map Reference | LB 1 PG 69 |
| Instrument Date | Sep 19, 2025 |
| Instrument | 202512003 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Title Company | CROSSROADS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $423.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 207 E THOMAS ST, BAY CITY, MI 48706-4673 |
| Name | Verified Name |
|---|---|
| Address | 207 E THOMAS ST, BAY CITY, MI 48706-4673 |
| Investor | Possibly a Property Investor |
| Document Number | 0000012004 |
|---|---|
| Date | Sep 22, 2025 |
| Instrument | 202512004 |
| Name | FINANCIALEDGE COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 1, 2035 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Apr 13, 2017 |
| Property Address | 207 E THOMAS ST, BAY CITY, MI 48706-4673 |
| Document Number | 0032100439 |
| Book / Page | 003210 / 000439 |
| Instrument Date | Feb 9, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $189.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 211 W MIDLAND RD AUBURN MI 486119411, AUBURN, MI 48611-9411 |
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 | $1,601.00 (+3.02%) Homeowner's exemption | $28,400 (-31.4%) | $56,800 (-31.4%) |
| 2025 | $41,400 (+47.86%) | $82,800 (+47.86%) | |
| 2024 | $1,554.00 (+10.84%) | ||
| 2023 | $28,000 | $56,000 | |
| 2022 | $1,402.00 |
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.
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 |
| Nearby Flood Claims | 4 (1983–1986) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 1986 · Severe Storms & Flooding |
| Claims by Event |
|
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.
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 278 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 | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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