2143 3rd St, Bay City, MI 48708 Property Records

Bay County property record for 2143 3rd St, Bay City, MI 48708

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,508 sqft · built 1906
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$111,000 (Jun 2021)
Tax Bill	$2,703 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160-022-406-030-00`

Property Details

APN / Parcel Number

Primary APN	`160-022-406-030-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,508 sqft Living Area
1st Floor Area	872 sqft
Basement Area	816 sqft
Unfinished Basement	872 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Exterior Material	Wood Siding
Roof Type	Gambrel
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	150 ft deep x 61 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	132 sqft
Patio Area	792 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2143 3RD ST
City	BAY CITY
State	MI
Zip	48708-6302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SINGLE
Legal Description	E 1/2 OF S 1/2 OF LOT 5 BLK 4 W D FITZHUGHS ADD TO HIS SUB OF SEC 22 & 27 ETAL
Legal Subdivision	W D FITZHUGHS ADD
Legal Block	4
Legal Lot Number	5
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	1
Census Block	1009
Census Tract	280500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Center Avenue Neighborhood Historic District (Boundary Increase) listed 2012 · 877 contributing resources · NRIS 12001027

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

2143 3rd St is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2143 3RD ST, BAY CITY, MI 48708-6302
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2021 · Amount on File
Deed Sale	Jun 1, 2021 · Amount on File
Prior Sale	Mar 15, 2013 · Amount on File
Deed Document Number	20219833
Prior Transfer Date	Jan 10, 2014
Prior Transfer Doc	0030180277
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jun 1, 2021
Property Address	2143 3RD ST, BAY CITY, MI 48708-6302
Document Number	202109833
Map Reference	LB 1 PG 49
Instrument Date	May 28, 2021
Instrument	202109833
Transaction Type	Transfer
Record Updated	Jul 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$954.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2143 3RD ST, 2143, BAY CITY, MI 48708-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 MERCER ST, ESSEXVILLE, MI 48732-1219

Mortgage

Document Number	202109834
Date	Jun 1, 2021
Instrument	202109834

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 2143 3rd St was $2,703 with a homeowner's exemption, up 21.4% 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	$2,703.00 (+21.43%) Homeowner's exemption	$74,750 (+4.91%)	$149,500 (+4.91%)
2025	$2,226.00 Homeowner's exemption	$71,250	$142,500
2023		$58,550	$117,100
2022	$2,362.00

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

Flood

FEMA maps place 2143 3rd St in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 2143 3rd 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 99.1% of the US · lower than 98.4% 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.

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 596 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: Verizon.

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