Bay County property record for 309 E Gary St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,149 sqft · built 1953 |
| Lot Size | 0.489 acres (21,301 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $124,900 (Jan 2017) |
| Tax Bill | $3,236 (2026) |
| Deeds & Mortgages | Nov 2024 Sale Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-017-251-026-00 |
| Primary APN | 160-017-251-026-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,149 sqft Living Area |
| 1st Floor Area | 2,149 sqft |
| Basement Area | 2,149 sqft |
| Unfinished Basement | 2,149 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Hip |
| Lot Area | 21,301 sqft (0.489 acres) |
| Lot Dimensions | 150 ft deep x 142 ft wide |
| Garage Area | 448 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 63 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 309 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 407.2 FT W & 220 FT N OF SE COR OF SW 1/4 OF NE 1/4 TH W 142.5 FT TH N 150 FT TH E 142.5 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 |
309 E Gary St is owned and occupied by two individuals who acquired it in October 2024.
Source: Bay County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 309 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 |
|---|---|
| Nov 4, 2024 | Warranty Deed, Transfer |
| Mar 13, 2020 | Deed of Trust, Mortgage · VA Mortgage WINTRUST MTG |
| Jan 11, 2017 | Warranty Deed, Transfer · VA Mortgage IFREEDOM DIRECT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 11, 2017 · Amount on File |
| Deed Sale | Jan 11, 2017 · Amount on File |
| Prior Sale | Jan 22, 2015 · Amount on File |
| Deed Book / Page | 3194 / 634 |
| Last Transfer Date | Oct 28, 2024 |
| Transfer Doc | 0000012828 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Nov 4, 2024 |
| Property Address | 309 E GARY ST, BAY CITY, MI 48706-3575 |
| Document Number | 0000012828 |
| Instrument Date | Oct 28, 2024 |
| Instrument | 202412828 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 309 E GARY ST, BAY CITY, MI 48706-3575 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 309 E GARY ST, BAY CITY, MI 48706-3575 |
| Document Number | 0000004145 |
| Instrument Date | Mar 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2020 |
| Title Company | ELEVATED TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 309 E GARY ST BAY CITY MI 487063575, BAY CITY, MI 48706-3575 |
| Document Number | 0000004145 |
|---|---|
| Date | Mar 27, 2020 |
| Instrument | 4145 |
| Name | WINTRUST MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEMONT, IL 60018 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 26, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jan 11, 2017 |
| Property Address | 309 E GARY ST, BAY CITY, MI 48706-3575 |
| Document Number | 0031940634 |
| Book / Page | 003194 / 000634 |
| Instrument Date | Jan 6, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,074.14 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 912 SCHUERMANN ST #B20 ESSEXVILLE MI 48732, B20, ESSEXVILLE, MI 48732 |
| Document Number | 31940636 |
|---|---|
| Date | Jan 11, 2017 |
| Book Page | 003194/000636 |
| Name | IFREEDOM DIRECT |
|---|---|
| Address | SALT LAKE CITY, UT 84116 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 10, 2047 |
The 2026 property tax bill for 309 E Gary St was $3,236 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 | $3,236.00 Homeowner's exemption | $101,350 | $202,700 |
| 2023 | $71,200 | $142,400 | |
| 2022 | $2,827.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 309 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 309 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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