Bay County property record for 303 E Gary St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 978 sqft · built 1955 |
| Lot Size | 0.231 acres (10,062 sqft) |
| Owner | Individual Name on File |
| Last Sale | $77,600 (Sep 2019) |
| Tax Bill | $1,960 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-017-255-017-00 |
| Primary APN | 160-017-255-017-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 978 sqft Living Area |
| 1st Floor Area | 978 sqft |
| Basement Area | 978 sqft |
| Unfinished Basement | 978 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 10,062 sqft (0.231 acres) |
| Lot Dimensions | 150 ft deep x 67 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 374 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 303 E GARY ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3584 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | COM 677.2 FT W & 220 FT N OF SE COR OF SW 1/4 OF NE 1/4 TH W 67.5 FT TH N 150 FT TH E 67.5 FT TH S 150 FT TO BEG SEC 17 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 286600 |
303 E Gary St is owned and occupied by an individual who bought it in September 2019.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 303 E GARY ST, BAY CITY, MI 48706-3584 |
| 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 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 6, 2019 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2019 · Amount on File |
| Deed Sale | Sep 6, 2019 · Amount on File |
| Prior Sale | Oct 5, 2004 · Amount on File |
| Deed Document Number | 201912395 |
| Prior Transfer Date | Jan 7, 2003 |
| Prior Transfer Doc | 1986000348 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 303 E GARY ST, BAY CITY, MI 48706-3584 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 303 E GARY ST, BAY CITY, MI 48706-3584 |
| Document Number | 0000014882 |
|---|---|
| Date | Aug 30, 2021 |
| Instrument | 202114882 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 303 E GARY ST, BAY CITY, MI 48706-3584 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 303 E GARY ST, BAY CITY, MI 48706-3584 |
| Document Number | 202114882 |
|---|---|
| Date | Aug 30, 2021 |
| Instrument | 202114882 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 6, 2019 |
| Property Address | 303 E GARY ST, BAY CITY, MI 48706-3584 |
| Document Number | 0000012395 |
| Instrument Date | Aug 30, 2019 |
| Instrument | 12395 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2019 |
| Title Company | DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $667.36 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4650 HERITAGE DR BAY CITY MI 487069411, BAY CITY, MI 48706-9411 |
| Document Number | 12396 |
|---|---|
| Date | Sep 6, 2019 |
| Instrument | 12396 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 5, 2049 |
The 2026 property tax bill for 303 E Gary St was $1,960 with a homeowner's exemption, up 21.4% from the year before.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| Municipality | Bay City |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,960.00 (+21.44%) Homeowner's exemption | $63,050 (+6.23%) | $126,100 (+6.23%) |
| 2025 | $1,614.00 Homeowner's exemption | $59,350 | $118,700 |
| 2023 | $44,500 | $89,000 | |
| 2022 | $1,713.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 303 E Gary St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 17, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 303 E Gary 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 251 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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