Bay County property record for 309 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,250 sqft · built 1880 |
| Lot Size | 0.263 acres (11,456 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,500 (Aug 2023) |
| Tax Bill | $2,977 (2026) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Jun 2023 Sale & Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-154-016-00 |
| Primary APN | 160-016-154-016-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,250 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Basement Area | 826 sqft |
| Unfinished Basement | 924 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Traditional |
| Roof Type | Gable |
| Lot Area | 11,456 sqft (0.263 acres) |
| Lot Dimensions | 105 ft deep x 109 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 220 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 309 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3878 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | COM 56.22 FT ELY OF NE COR SMITH & BRADLEY STS TH N 109.54 FT TH E 45 FT TH ELY PAR SMITH ST TO PT 100 FT N OF N LI SMITH ST |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 281300 |
Source: Bay County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 309 E SMITH ST, BAY CITY, MI 48706-3878 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 8, 2023 | Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS |
| Jun 28, 2023 | Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC |
| Jul 7, 2022 | Sheriff's Deed, Foreclosure |
| Dec 27, 2017 | Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2023 · Amount on Record |
| Deed Sale | Aug 8, 2023 · Amount on Record |
| Prior Sale | Jun 28, 2023 · Amount on Record |
| Deed Document Number | 20238912 |
| Prior Transfer Date | Jun 24, 2022 |
| Prior Transfer Doc | 0000009884 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 8, 2023 |
| Property Address | 309 E SMITH ST, BAY CITY, MI 48706-3878 |
| Document Number | 0000008912 |
| Instrument Date | Aug 4, 2023 |
| Instrument | 202308912 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Title Company | LIGHTHOUSE TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,053.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7339 GLEN EAGLE DR, BAY CITY, MI 48706-9316 |
| Name | Verified Name |
|---|---|
| Address | 309 E SMITH ST, BAY CITY, MI 48706-3878 |
| Document Number | 0000008899 |
|---|---|
| Date | Aug 8, 2023 |
| Instrument | 202308899 |
| Name | NEIGHBORHOOD LOANS |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jun 28, 2023 |
| Property Address | 309 E SMITH ST, BAY CITY, MI 48706-3878 |
| Document Number | 0000007461 |
| Instrument Date | Feb 8, 2023 |
| Instrument | 202307461 |
| Transaction Type | Construction Loan |
| Record Updated | May 18, 2026 |
| Title Company | SERVICELINK CRS, SERVICELINK LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $581.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 75 BEATTIE PL, GREENVILLE, SC 29601-2155 |
| Name | Verified Name |
|---|---|
| Address | 7339 GLEN EAGLE DR, BAY CITY, MI 48706-9316 |
| Investor | Possibly a Property Investor |
| Document Number | 0000007462 |
|---|---|
| Date | Jun 28, 2023 |
| Instrument | 202307462 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jul 7, 2022 |
| Property Address | 309 E SMITH ST, BAY CITY, MI 48706-3878 |
| Document Number | 0000009884 |
| Instrument Date | Jun 24, 2022 |
| Instrument | 202209884 |
| Transaction Type | Foreclosure |
| Record Updated | May 18, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 55 BEATTIE PL STE 100, 100, GREENVILLE, SC 29601-2137 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Dec 27, 2017 |
| Property Address | 309 SMITH ST, BAY CITY, MI 48706 |
| Document Number | 0032560198 |
| Book / Page | 3256 / 198 |
| Instrument Date | Dec 22, 2017 |
| Instrument | 3256-198 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $593.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 325 KILLARNEY BEACH RD, 325, BAY CITY, MI 48706-1108 |
| Name | Verified Name |
|---|---|
| Address | 508 E ASHMAN ST, MIDLAND, MI 48642-4659 |
| Document Number | 3256201 |
|---|---|
| Date | Dec 27, 2017 |
| Instrument | 3256-201 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
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 | $2,977.00 (+21.46%) Homeowner's exemption | $74,450 (+7.35%) | $148,900 (+7.35%) |
| 2025 | $2,451.00 (-39.47%) Homeowner's exemption | $69,350 (+55.15%) | $138,700 (+55.15%) |
| 2023 | $44,700 (+9.83%) | $89,400 (+9.83%) | |
| 2022 | $4,049.00 Homeowner's exemption | $40,700 | $81,400 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 Claims | 2 (1979–1983) |
| Most Recent Claim | Mar 1983 · rainfall accumulation |
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 572 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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