Bay County property record for 304 King St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,582 sqft · built 1905 |
| Lot Size | 0.138 acres (6,011 sqft) |
| Owner | Individual Name on File |
| Last Sale | $60,000 (May 2019) |
| Tax Bill | $1,930 (2026) |
| Deeds & Mortgages | Sep 2024 Mortgage Jul 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-017-490-005-00 |
| Primary APN | 160-017-490-005-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,582 sqft Living Area |
| 1st Floor Area | 1,024 sqft |
| Basement Area | 1,024 sqft |
| Unfinished Basement | 1,024 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 6,011 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Porch | Porch |
| Porch Area | 230 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 304 KING ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 DUPLEX |
| Legal Description | LOT 8 BLK 2 KINGSBURGH ADD |
| Legal Subdivision | KINGSBURGH ADD |
| Legal Block | 2 |
| Legal Lot Number | 8 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 286600 |
304 King St is owned and occupied by an individual who bought it in May 2019.
Source: Bay County records, as of August 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 304 KING ST, BAY CITY, MI 48706-3721 |
| 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 |
|---|---|
| Sep 17, 2024 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jul 17, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| May 2, 2019 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2019 · Amount on File |
| Deed Sale | May 2, 2019 · Amount on File |
| Prior Sale | Jun 8, 2009 · Amount on File |
| Deed Document Number | 20196498 |
| Prior Transfer Date | Oct 6, 2010 |
| Prior Transfer Doc | 0027620958 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 304 KING ST, BAY CITY, MI 48706-3721 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 304 KING ST, BAY CITY, MI 48706-3721 |
| Investor | Possibly a Property Investor |
| Document Number | 0000010855 |
|---|---|
| Date | Sep 17, 2024 |
| Instrument | 202410855 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 296 Months |
| Due | May 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 304 KING ST, BAY CITY, MI 48706-3721 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 304 KING ST, BAY CITY, MI 48706-3721 |
| Investor | Possibly a Property Investor |
| Document Number | 0000008070 |
|---|---|
| Date | Jul 17, 2023 |
| Instrument | 202308070 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 310 Months |
| Due | May 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | May 2, 2019 |
| Property Address | 304 KING ST, BAY CITY, MI 48706-3721 |
| Document Number | 0000006498 |
| Instrument Date | Apr 22, 2019 |
| Instrument | 6498 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2019 |
| Title Company | TITLE RESOURCE AGENCY, TITLE RESOURCE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $516.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 910 N SCHEURMANN RD #9 ESSEXVILLE MI 487321844, 9, ESSEXVILLE, MI 48732-1844 |
| Document Number | 6494 |
|---|---|
| Date | May 2, 2019 |
| Instrument | 6494 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2049 |
The 2026 property tax bill for 304 King St was $1,930, up 14.6% 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 | $1,930.00 (+14.61%) | $45,500 (+6.56%) | $91,000 (+6.56%) |
| 2025 | $1,684.00 | $42,700 | $85,400 |
| 2023 | $32,500 | $65,000 | |
| 2022 | $1,689.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 304 King St in Zone X, an area of minimal flood risk.
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 | 1 in force |
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.
The area around 304 King St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 547 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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