Bay County property record for 307 E Gary St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,068 sqft · built 1956 |
| Lot Size | 0.231 acres (10,062 sqft) |
| Owner | Individual Name on File |
| Last Sale | $56,500 (Oct 1995) |
| Tax Bill | $1,513 (2026) |
| Deeds & Mortgages | Sep 2023 Transfer Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-017-251-025-00 |
| Primary APN | 160-017-251-025-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,068 sqft Living Area |
| 1st Floor Area | 1,068 sqft |
| Basement Area | 1,068 sqft |
| Unfinished Basement | 1,068 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 10,062 sqft (0.231 acres) |
| Lot Dimensions | 150 ft deep x 67 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 96 sqft |
| Patio Area | 320 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 307 E GARY ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3575 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | COM 549.70 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 | 1001 |
| Census Tract | 286600 |
307 E Gary St is owned and occupied by an individual who bought it in October 1995.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 307 E GARY ST, BAY CITY, MI 48706-3575 |
| 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 12, 2023 | Intrafamily Transfer, Transfer |
| Oct 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SUNRISE FAM CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 1995 · Amount on File |
| Deed Sale | Oct 4, 1995 · Amount on File |
| Deed Book / Page | 1379 / 645 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 12, 2023 |
| Property Address | 307 E GARY ST, BAY CITY, MI 48706-3575 |
| Document Number | 0000010232 |
| Instrument Date | Sep 11, 2023 |
| Instrument | 202310232 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4543 WESTFIELD CT, BAY CITY, MI 48706-2725 |
| Name | Verified Name |
|---|---|
| Address | 307 E GARY ST, BAY CITY, MI 48706-3575 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 307 E GARY ST, BAY CITY, MI 48706-3575 |
| Document Number | 0000014727 |
| Instrument Date | Oct 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2020 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 307 E GARY ST BAY CITY MI 487063575, BAY CITY, MI 48706-3575 |
| Document Number | 0000014727 |
|---|---|
| Date | Oct 30, 2019 |
| Instrument | 14727 |
| Name | SUNRISE FAM CU |
|---|---|
| Type | Credit Union |
| Address | BAY CITY, MI 48706 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 29, 2029 |
The 2026 property tax bill for 307 E Gary St was $1,513 with a homeowner's exemption.
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 | $1,513.00 Homeowner's exemption | $61,550 | $123,100 |
| 2023 | $41,200 (+9.87%) | $82,400 (+9.87%) | |
| 2022 | $1,322.00 Homeowner's exemption | $37,500 | $75,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 307 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 307 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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