Bay County property record for 2804 Security Ln, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,316 sqft · built 1954 |
| Lot Size | 0.459 acres (19,994 sqft) |
| Owner | Individual Name on File |
| Last Sale | $127,900 (Feb 2021) |
| Tax Bill | $2,681 (2026) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Oct 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 100-R05-000-025-00 |
| Primary APN | 100-R05-000-025-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,316 sqft Living Area |
| 1st Floor Area | 1,316 sqft |
| Basement Area | 1,040 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Lot Area | 19,994 sqft (0.459 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Street Address | 2804 SECURITY LN |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | E 37 FT LOT 24 & W 63 FT LOT 25 MARTIN REINHARDT SUB., L5/P31 BCR |
| Legal Subdivision | MARTIN REINHART SUB |
| Legal Lot Number | 24-25 |
| Jurisdiction | BAY MI |
| Township / Civil Division | MONITOR |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 285500 |
2804 Security Ln is owned and occupied by an individual who bought it in February 2021.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2804 SECURITY LN, BAY CITY, MI 48706-3034 |
| 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 |
|---|---|
| Feb 4, 2021 | Fiduciary Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP |
| Oct 1, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2021 · Amount on File |
| Deed Sale | Feb 4, 2021 · Amount on File |
| Deed Document Number | 20212066 |
| Prior Transfer Date | Jun 28, 2020 |
| Prior Transfer Doc | 0000013828 |
| Record Updated | Oct 29, 2026 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Feb 4, 2021 |
| Property Address | 2804 SECURITY LN, BAY CITY, MI 48706-3034 |
| Document Number | 202102066 |
| Instrument Date | Feb 3, 2021 |
| Instrument | 202102066 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,100.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2783 SECURITY LN, 2783, BAY CITY, MI 48706-3033 |
| Name | Verified Name |
|---|---|
| Address | 2159 JARABEC RD, SAGINAW, MI 48609-9202 |
| Document Number | 202102067 |
|---|---|
| Date | Feb 4, 2021 |
| Instrument | 202102067 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 1, 2020 |
| Property Address | 2804 SECURITY LN, BAY CITY, MI 48706-3034 |
| Document Number | 0000013828 |
| Instrument Date | Jun 28, 2020 |
| Instrument | 13828 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 2804 SECURITY LN BAY CITY MI 487063034, BAY CITY, MI 48706-3034 |
The 2026 property tax bill for 2804 Security Ln was $2,681 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 | $2,681.00 Homeowner's exemption | $94,500 | $189,000 |
| 2023 | $74,500 | $149,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2804 Security Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2012 · 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 2804 Security Ln 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 159 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 |
| AT&T DSL | 100 / 20 |
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