Bay County property record for 312 E Gary St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 840 sqft · built 1953 |
| Lot Size | 0.209 acres (9,104 sqft) |
| Owner | Individual Name on File |
| Last Sale | $110,000 (Dec 2022) |
| Tax Bill | $2,222 (2026) |
| Deeds & Mortgages | Sep 2024 Mortgage Dec 2022 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-017-257-007-00 |
| Primary APN | 160-017-257-007-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 840 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 9,104 sqft (0.209 acres) |
| Lot Dimensions | 160 ft deep x 57 ft wide |
| Porch | Porch |
| Porch Area | 32 sqft |
| Patio Area | 520 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 312 E GARY ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3558 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | COM ON E & W 1/4 LI 420.84 FT W OF E 1/8 LI TH N 160 FT TH W 57 FT TH S 160 FT TH E 57 FT TO BEG SEC 17 T14NR5E |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 286600 |
312 E Gary St is owned and occupied by an individual who bought it in December 2022.
Source: Bay County records, as of August 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 312 E GARY ST, BAY CITY, MI 48706-3558 |
| 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 4, 2024 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Dec 16, 2022 | Warranty Deed, Transfer · FHA Mortgage ROSS MORTGAGE CORP |
| Dec 29, 2020 | Quit Claim Deed, Transfer TEAM ONE CU |
| Dec 9, 2019 | Deed of Trust, Mortgage ACADEMY MTG |
| Nov 13, 2017 | Warranty Deed, Transfer |
| Jul 3, 2017 | Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2022 · Amount on File |
| Deed Sale | Dec 16, 2022 · Amount on File |
| Prior Sale | Nov 13, 2017 · Amount on File |
| Deed Document Number | 202216958 |
| Prior Transfer Date | Dec 21, 2020 |
| Prior Transfer Doc | 202018750 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 312 E GARY ST, BAY CITY, MI 48706-3558 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 312 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Number | 0000010336 |
|---|---|
| Date | Sep 4, 2024 |
| Instrument | 202410336 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 340 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Dec 16, 2022 |
| Property Address | 312 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Number | 0000016958 |
| Instrument Date | Dec 15, 2022 |
| Instrument | 202216958 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 312 E GARY ST, BAY CITY, MI 48706-3558 |
| Name | Verified Name |
|---|---|
| Address | 1809 MICHIGAN AVE, BAY CITY, MI 48708-8492 |
| Document Number | 0000016959 |
|---|---|
| Date | Dec 16, 2022 |
| Instrument | 202216959 |
| Name | ROSS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Dec 29, 2020 |
| Property Address | 312 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Number | 0000018750 |
| Instrument Date | Dec 21, 2020 |
| Instrument | 18750 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2021 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 312 E GARY ST BAY CITY MI 487063558, BAY CITY, MI 48706-3558 |
| Document Number | 18751 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 18751 |
| Name | TEAM ONE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48607 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Dec 28, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 312 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Number | 0000016884 |
| Instrument Date | Dec 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 312 E GARY ST BAY CITY MI 487063558, BAY CITY, MI 48706-3558 |
| Document Number | 0000016884 |
|---|---|
| Date | Dec 16, 2019 |
| Instrument | 16884 |
| Name | ACADEMY MTG |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 15, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Nov 13, 2017 |
| Property Address | 312 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Number | 0032490525 |
| Book / Page | 003249 / 000525 |
| Instrument Date | Nov 7, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $215.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1894 MUNGER RD BAY CITY MI 487089626, BAY CITY, MI 48708-9626 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jul 3, 2017 |
| Property Address | 312 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Number | 0032250503 |
| Book / Page | 003225 / 000503 |
| Instrument Date | Jun 23, 2017 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 16, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1199 S EUCLID AVE BAY CITY MI 487063309, BAY CITY, MI 48706-3309 |
The 2026 property tax bill for 312 E Gary St was $2,222 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 | $2,222.00 Homeowner's exemption | $62,000 | $124,000 |
| 2023 | $43,250 | $86,500 | |
| 2022 | $1,125.00 |
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 312 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 312 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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