Bay County property record for 2168 Ferguson Dr, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,496 sqft · built 2010 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $170,000 (Sep 2015) |
| Tax Bill | $4,024 (2026) |
| Deeds & Mortgages | Aug 2022 Line of Credit Dec 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 100-R32-000-059-00 |
| Primary APN | 100-R32-000-059-00 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 1,496 sqft Living Area |
| 1st Floor Area | 1,496 sqft |
| Basement Area | 1,496 sqft |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 131 ft deep x 103 ft wide |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2168 FERGUSON DR |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-9103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 59 RUEGER FARMS NO. 2, L13/P35 BCR |
| Legal Subdivision | RUEGER FARMS #2 |
| Legal Lot Number | 59 |
| Jurisdiction | BAY MI |
| Township / Civil Division | MONITOR |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 285500 |
2168 Ferguson Dr is owned and occupied by an individual who acquired it in December 2021.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2168 FERGUSON DR, BAY CITY, MI 48706-9103 |
| 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 |
|---|---|
| Aug 22, 2022 | Deed of Trust, Mortgage · Line of Credit THUMB BANK & TRUST |
| Dec 10, 2021 | Intrafamily Transfer, Transfer |
| Oct 5, 2018 | Deed of Trust, Mortgage · Line of Credit THUMB BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2015 · Amount on File |
| Deed Sale | Sep 23, 2015 · Amount on File |
| Prior Sale | Jan 23, 2013 · Amount on File |
| Deed Book / Page | 3114 / 459 |
| Last Transfer Date | Dec 10, 2021 |
| Transfer Doc | 0000020528 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 2168 FERGUSON DR, BAY CITY, MI 48706-9103 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2168 FERGUSON DR, BAY CITY, MI 48706-9103 |
| Document Number | 0000011934 |
|---|---|
| Date | Aug 22, 2022 |
| Instrument | 202211934 |
| Name | THUMB BANK & TRUST |
|---|---|
| Type | Bank |
| Address | PIGEON, MI 48755 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 72 Months |
| Due | Aug 17, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Dec 10, 2021 |
| Property Address | 2168 FERGUSON DR, BAY CITY, MI 48706-9103 |
| Document Number | 0000020528 |
| Map Reference | LB 13 PG 35 |
| Instrument Date | Dec 6, 2021 |
| Instrument | 202120528 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 2168 FERGUSON DR, BAY CITY, MI 48706-9103 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 2168 FERGUSON DR, BAY CITY, MI 48706-9103 |
| Document Number | 0000014119 |
| Instrument Date | Oct 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2168 FERGUSON DR BAY CITY MI 487069103, BAY CITY, MI 48706-9103 |
| Document Number | 0000014119 |
|---|---|
| Date | Oct 15, 2018 |
| Instrument | 14119 |
| Name | THUMB BK&TR |
|---|---|
| Address | PIGEON, MI 48755 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Oct 14, 2023 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 2168 Ferguson Dr was $4,024 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Monitor Charter Township |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,024.00 Homeowner's exemption | $160,000 | $320,000 |
| 2023 | $126,900 | $253,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2168 Ferguson Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.
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 | 2 in force |
| Nearby Flood Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2008 · 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 risk around 2168 Ferguson Dr 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 97% of the US · lower than 93% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BANGOR-MONITOR METRO DISTRICT serves 2,971 people · EPA ID MI0000400 |
|---|---|
| Water Source | Purchased surface water from BAY AREA WATER SYSTEM |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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 145 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 |
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