Bay County property record for 309 McCormick St, Bay City, MI 48708
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,571 sqft · built 1900 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,400 (Oct 2021) |
| Tax Bill | $1,792 (2026) |
| Deeds & Mortgages | Feb 2025 Mortgage Oct 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-033-111-005-00 |
| Primary APN | 160-033-111-005-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,571 sqft Living Area |
| 1st Floor Area | 1,095 sqft |
| Basement Area | 1,095 sqft |
| Unfinished Basement | 1,095 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 5,009 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 180 sqft |
| Patio Area | 140 sqft |
| Heating System | Hot Water |
|---|---|
| Sewer | Municipal |
| Street Address | 309 MCCORMICK ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48708-7732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 DUPLEX |
| Legal Description | LOT 5 BLK 74 DAGLISH DIV OF PORTSMOUTH |
| Legal Subdivision | DAGLISH DIV |
| Legal Block | 74 |
| Legal Lot Number | 5 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 280700 |
309 McCormick St is owned and occupied by an individual who bought it in October 2021.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 309 MCCORMICK ST, BAY CITY, MI 48708-7732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
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 |
|---|---|
| Feb 4, 2025 | Deed of Trust, Mortgage CITY OF BAY CITY |
| Oct 28, 2021 | Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP |
| Jun 14, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Oct 14, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2021 · Amount on File |
| Deed Sale | Oct 28, 2021 · Amount on File |
| Prior Sale | Jun 14, 2021 · Amount on File |
| Deed Document Number | 202118212 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 309 MCCORMICK ST, BAY CITY, MI 48708-7732 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 309 MCCORMICK ST, BAY CITY, MI 48708-7732 |
| Document Number | 0000001144 |
|---|---|
| Date | Feb 4, 2025 |
| Instrument | 202501144 |
| Name | CITY OF BAY CITY |
|---|---|
| Type | Government Agency |
| Address | BAY CITY, MI 48708 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 28, 2021 |
| Property Address | 309 MCCORMICK ST, BAY CITY, MI 48708-7732 |
| Document Number | 0000018212 |
| Map Reference | LB 1 PG 40 |
| Instrument Date | Oct 25, 2021 |
| Instrument | 202118212 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $603.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 309 MCCORMICK ST, BAY CITY, MI 48708-7732 |
| Name | Verified Name |
|---|---|
| Address | 524 N SHERMAN ST, BAY CITY, MI 48708-6536 |
| Document Number | 0000018213 |
|---|---|
| Date | Oct 28, 2021 |
| Instrument | 202118213 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jun 14, 2021 |
| Property Address | 309 MCCORMICK ST, BAY CITY, MI 48708-7732 |
| Document Number | 0000010515 |
| Instrument Date | Jun 14, 2021 |
| Instrument | 202110515 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $189.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 307 MCCORMICK ST, BAY CITY, MI 48708-7732 |
| Name | Verified Name |
|---|---|
| Address | 309 MCCORMICK ST, BAY CITY, MI 48708-7732 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 14, 2020 |
| Property Address | 309 MCCORMICK ST, BAY CITY, MI 48708-7732 |
| Document Number | 0000014548 |
| Instrument Date | Nov 18, 2016 |
| Instrument | 14548 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 307 MCCORMICK ST BAY CITY MI 487087732, BAY CITY, MI 48708-7732 |
The 2026 property tax bill for 309 McCormick St was $1,792 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 | $1,792.00 Homeowner's exemption | $52,500 | $105,000 |
| 2023 | $37,300 | $74,600 | |
| 2022 | $1,621.00 |
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.
FEMA maps place 309 McCormick St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1986.
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 | 6 (1986) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Oct 1986 · Severe Storms & Flooding |
| Claims by Event |
|
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 309 McCormick 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 513 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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