Bay County property record for 31 M 61, Standish, MI 48658
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,460 sqft · built 2004 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $213,000 (Aug 2023) |
| Tax Bill | $3,163 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage Aug 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 060-012-200-015-01 |
| Primary APN | 060-012-200-015-01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,460 sqft Living Area |
| 1st Floor Area | 1,460 sqft |
| Basement Area | 1,460 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Lot Area | 22,651 sqft (0.52 acres) |
| Lot Dimensions | 87.8 ft deep x 199 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 31 M 61 |
|---|---|
| City | STANDISH |
| State | MI |
| Zip | 48658-9301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT NE COR OF SEC TH S 56.41 FT TO C/L OF M-61 TH W 187.80 FT ALG C/L TH S 162.80 FT TH W 42 FT TO POB TH W 199 FT TH N |
| Jurisdiction | BAY MI |
| Township / Civil Division | GIBSON |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 286400 |
31 M 61 is owned and occupied by two individuals who bought it in August 2023.
Source: Bay County records, as of May 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1575 DARTMOUTH RD, SAINT HELEN, MI 48656-9419 |
| 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 |
|---|---|
| Feb 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Aug 24, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 28, 2019 | Deed of Trust, Mortgage · Conventional with PMI INDEPENDENT BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2023 · Amount on File |
| Deed Sale | Aug 24, 2023 · Amount on File |
| Prior Sale | Dec 17, 2013 · Amount on File |
| Deed Document Number | 20239598 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 31 M 61, STANDISH, MI 48658-9301 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 31 M 61, STANDISH, MI 48658-9301 |
| Document Number | 0000001171 |
|---|---|
| Date | Feb 2, 2026 |
| Instrument | 202601171 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 24, 2023 |
| Property Address | 31 M 61, STANDISH, MI 48658-9301 |
| Document Number | 0000009598 |
| Instrument Date | Aug 23, 2023 |
| Instrument | 202309598 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2023 |
| Title Company | PARKS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,597.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31 M 61, STANDISH, MI 48658-9301 |
| Name | Verified Name |
|---|---|
| Address | 1575 DARTMOUTH RD, SAINT HELEN, MI 48656-9419 |
| Document Number | 0000009599 |
|---|---|
| Date | Aug 24, 2023 |
| Instrument | 202309599 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 31 M 61, STANDISH, MI 48658-9301 |
| Document Number | 0000014940 |
| Instrument Date | Oct 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 31 M 61 STANDISH MI 486589301, STANDISH, MI 48658-9301 |
| Document Number | 0000014940 |
|---|---|
| Date | Nov 4, 2019 |
| Instrument | 14940 |
| Name | INDEPENDENT BK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49525 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 3, 2034 |
The 2026 property tax bill for 31 M 61 was $3,163 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Gibson Township |
| Unified School District | Standish-Sterling Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,163.00 Homeowner's exemption | $125,600 | $251,200 |
| 2023 | $77,900 | $155,800 | |
| 2022 | $1,533.00 |
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 31 M 61 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 31 M 61 is low, with 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 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Point Broadband Fixed Wireless | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
| T-Mobile Fixed Wireless | 25 / 3 |
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