209 McCormick St, Bay City, MI 48708 Property Records

Bay County property record for 209 McCormick St, Bay City, MI 48708

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,248 sqft · built 1968
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on File
Last Sale	$67,900 (Oct 2018)
Tax Bill	$1,771 (2026)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160-033-106-005-00`

Property Details

APN / Parcel Number

Primary APN	`160-033-106-005-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	48 sqft
Patio Area	660 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	209 MCCORMICK ST
City	BAY CITY
State	MI
Zip	48708-7730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2 DUPLEX
Legal Description	LOT 5 BLK 75 DAGLISH DIV OF PORTSMOUTH
Legal Subdivision	DAGLISH DIV
Legal Block	75
Legal Lot Number	5
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	1
Census Block	1041
Census Tract	280700

Owner

209 McCormick St is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	209 MCCORMICK ST, BAY CITY, MI 48708-7730
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2018 · Amount on File
Deed Sale	Oct 22, 2018 · Amount on File
Prior Sale	Mar 1, 1990 · Amount on File
Deed Document Number	201814400
Prior Transfer Date	Jan 9, 2009
Prior Transfer Doc	0026510146
Record Updated	Oct 29, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Oct 22, 2018
Property Address	209 MCCORMICK ST, BAY CITY, MI 48708-7730
Document Number	0000014400
Instrument Date	Oct 12, 2018
Instrument	14400
Transaction Type	Transfer
Record Updated	Jan 3, 2019
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$583.94
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8847 VAN CLEVE RD #3 VASSAR MI 487689034, 3, VASSAR, MI 48768-9034

Mortgage

Document Number	14401
Date	Oct 22, 2018
Instrument	14401

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 21, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 209 McCormick St was $1,771 with a homeowner's exemption, up 21.5% from the year before.

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	$1,771.00 (+21.47%) Homeowner's exemption	$61,800 (+4.75%)	$123,600 (+4.75%)
2025	$1,458.00 Homeowner's exemption	$59,000	$118,000
2023		$45,000	$90,000
2022	$1,547.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 209 McCormick St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1986.

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	6 (1986)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Oct 1986 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Oct 1986 · 6 claims

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

The area around 209 McCormick 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.

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 513 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20