218 Chip Rd, Bay City, MI 48706 Property Records

Bay County property record for 218 Chip Rd, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,680 sqft · built 2005
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$1,500 (May 2002)
Tax Bill	$3,585 (2026)
Deeds & Mortgages	Apr 2019 Mortgage Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`100-006-300-070-02`

Property Details

APN / Parcel Number

Primary APN	`100-006-300-070-02`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	265 ft deep x 165 ft wide
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	218 CHIP RD
City	BAY CITY
State	MI
Zip	48706-9439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	COM 2023.80 FT E FR W 1/4 COR OF SEC TH E 165 FT TO A PT 48 FT W FR CEN OF SEC TH S 265 FT TH W 165 FT TH N 265 FT TO BEG.
Jurisdiction	BAY MI
Township / Civil Division	MONITOR
Census Block Group	2
Census Block	2008
Census Tract	285700

Owner

Source: Bay County records · APN 100-006-300-070-02

Assessment roll updated May 18, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	218 CHIP RD, BAY CITY, MI 48706-9439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK
Feb 05, 2018	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK/WV

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 03, 2002 · Amount on Record
Deed Sale	May 03, 2002 · Amount on Record
Deed Book / Page	1884 / 29
Record Updated	Jun 08, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	218 CHIP RD, BAY CITY, MI 48706-9439
Document Number	0000007207
Instrument Date	Apr 26, 2019
Transaction Type	Mortgage
Record Updated	Jul 17, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 CHIP RD BAY CITY MI 487069439, BAY CITY, MI 48706-9439

Mortgage

Document Number	0000007207
Date	May 17, 2019
Instrument	7207

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 16, 2034

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	218 CHIP RD, BAY CITY, MI 48706-9439
Document Number	0000001867
Instrument Date	Feb 05, 2018
Transaction Type	Mortgage
Record Updated	Apr 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 CHIP RD BAY CITY MI 487069439, BAY CITY, MI 48706-9439

Mortgage

Document Number	0000001867
Date	Feb 16, 2018
Instrument	1867

Lender

Name	HUNTINGTON NAT'L BK/WV
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 15, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated May 18, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Monitor Charter Township
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,585.00 Homeowner's exemption	$149,500 (+66.11%)	$299,000 (+66.11%)
2023		$90,000	$180,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 17, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	3 (1996–2017)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jun 2017 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2017 · 3 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Based on FCC filings for 7 locations within half a mile of this property.

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