313 E Gary St, Bay City, MI 48706 Property Records

Bay County property record for 313 E Gary St, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,228 sqft · built 1946
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on File
Last Sale	$61,800 (Aug 2012)
Tax Bill	$1,652 (2026)
Deeds & Mortgages	Nov 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`160-017-251-027-00`

Property Details

APN / Parcel Number

Primary APN	`160-017-251-027-00`
Alternative APN	`0913001725102700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,228 sqft Living Area
1st Floor Area	1,228 sqft
Basement Area	1,228 sqft
Unfinished Basement	1,228 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Hip
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	210 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	313 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 220 FT N & 332.20 FT W OF SE COR OF SW 1/4 OF NE 1/4 TH W 75 FT TH N 150 FT TH E 75 FT TH S 150 FT TO BEG SEC 17 T14NR5E
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	1
Census Block	1001
Census Tract	286600

Owner

313 E Gary St is owned and occupied by an individual who acquired it in November 2023.

Source: Bay County records, as of August 3, 2026

Owner of Record	Individual Name on File
Mailing Address	313 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2012 · Amount on File
Deed Sale	Aug 8, 2012 · Amount on File
Prior Sale	Nov 5, 1997
Deed Book / Page	2894 / 733
Last Transfer Date	Nov 29, 2023
Transfer Doc	0000013106
Record Updated	Sep 20, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY MI
Recording Date	Nov 29, 2023
Property Address	313 E GARY ST, BAY CITY, MI 48706-3575
Document Number	0000013106
Instrument	202313106
Transaction Type	Transfer
Record Updated	May 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 E GARY SREET, BAY CITY, MI 48706-3575

Tax Assessment & Valuation

The 2026 property tax bill for 313 E Gary St was $1,652 with a homeowner's exemption, up 21.4% from the year before.

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
Municipality	Bay City
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,652.00 (+21.38%) Homeowner's exemption	$63,750 (+5.9%)	$127,500 (+5.9%)
2025	$1,361.00 Homeowner's exemption	$60,200	$120,400
2023		$45,000	$90,000
2022	$1,444.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 313 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

Wildfire risk around 313 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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