Bay County property record for 305 State St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,302 sqft · built 1890 |
| Lot Size | 0.138 acres (6,011 sqft) |
| Owner | Company Name on Record |
| Last Sale | $15,000 (Jan 2013) |
| Tax Bill | $1,860 (2026) |
| Deeds & Mortgages | Nov 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-017-490-012-00 |
| Primary APN | 160-017-490-012-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Building Area | 1,302 sqft Living Area |
| 1st Floor Area | 1,302 sqft |
| Basement Area | 1,302 sqft |
| Unfinished Basement | 1,302 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 6,011 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 364 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 305 STATE ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3760 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 DUPLEX |
| Legal Description | LOT 4 BLK 2 KINGSBURGH ADD |
| Legal Subdivision | KINGSBURGH ADD |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 286600 |
Source: Bay County records, as of May 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3700 S HURON RD, BAY CITY, MI 48706-2065 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 22, 2013 · Amount on Record |
| Deed Sale | Jan 22, 2013 · Amount on Record |
| Prior Sale | Oct 6, 2010 · Amount on Record |
| Deed Book / Page | 2933 / 884 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 305 STATE ST, BAY CITY, MI 48706-3760 |
| Document Number | 0000016622 |
| Instrument Date | Nov 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2019 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3700 S HURON RD BAY CITY MI 487062065, BAY CITY, MI 48706-2065 |
| Document Number | 0000016622 |
|---|---|
| Date | Dec 10, 2018 |
| Instrument | 16622 |
| Name | FIRST ST BK |
|---|---|
| Type | Bank |
| Address | SAGINAW, MI 48605 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $1,860.00 (+14.18%) | $53,000 (+41.15%) | $106,000 (+41.15%) |
| 2023 | $37,550 | $75,100 | |
| 2022 | $1,629.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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