Bay County property record for 238 Chip Rd, Bay City, MI 48706
| Property Type | Rural Home |
|---|---|
| Details | 1 ba · 1,627 sqft · built 1905 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $119,000 (Jul 1999) |
| Tax Bill | $2,771 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 100-006-400-010-00 |
| Primary APN | 100-006-400-010-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,627 sqft Living Area |
| 1st Floor Area | 1,011 sqft |
| Basement Area | 1,011 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Ranch |
| Lot Area | 217,800 sqft (5 acres) |
| Lot Dimensions | 660 ft deep x 330 ft wide |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Street Address | 238 CHIP RD |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-9439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | AG |
| Legal Description | W 330 FT OF N 660 FT OF NW 1/4 OF SE 1/4. SEC 6 T14N R4E |
| Legal Range | 04E |
| Legal Township | 14N |
| Legal Section | 06 |
| Jurisdiction | BAY MI |
| Township / Civil Division | MONITOR |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 285700 |
Source: Bay County records · APN 100-006-400-010-00
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 | 238 CHIP RD, BAY CITY, MI 48706-9439 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 30, 1999 · Amount on Record |
| Deed Sale | Jul 30, 1999 · Amount on Record |
| Deed Book / Page | 1627 / 778 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 238 CHIP RD, BAY CITY, MI 48706-9439 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2023 |
| Title Company | AMER TITLE, MERIT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000002209 |
|---|---|
| Date | Feb 08, 2021 |
| Instrument | 202102209 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Address | FRANKENMUTH, MI 48734 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 01, 2036 |
Source: Bay County records · Assessment roll updated May 18, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Monitor Charter Township |
| Unified School District | Bay City School District (PK - 12) |
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 | $2,771.00 Homeowner's exemption | $98,300 (+44.13%) | $196,600 (+44.13%) |
| 2023 | $68,200 | $136,400 |
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
| 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 |
|
| 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.
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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