Bay County property record for 314 E Gary St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,092 sqft · built 1955 |
| Lot Size | 0.235 acres (10,237 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Sep 2022) |
| Tax Bill | $3,654 (2026) |
| Deeds & Mortgages | Sep 2022 Transfer Sep 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-017-257-008-00 |
| Primary APN | 160-017-257-008-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 1,092 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Hip |
| Lot Area | 10,237 sqft (0.235 acres) |
| Lot Dimensions | 160 ft deep x 64 ft wide |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 648 sqft |
| Porch | Porch |
| Porch Area | 284 sqft |
| Patio Area | 2,046 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 314 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 356.84 FT W OF E 1/8 LI TH N 160 FT TH W 64 FT TH S 160 FT TH E 64 FT TO BEG SEC 17 T14NR5E |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 286600 |
314 E Gary St is owned and occupied by an individual who bought it in September 2022.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 314 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 13, 2022 | Intrafamily Transfer, Transfer |
| Sep 13, 2022 | Intrafamily Transfer, Transfer |
| Sep 13, 2022 | Intrafamily Transfer, Transfer |
| Sep 13, 2022 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Oct 30, 2018 | Warranty Deed, Transfer · Conventional with PMI ACADEMY MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 13, 2022 · Amount on File |
| Deed Sale | Sep 13, 2022 · Amount on File |
| Prior Sale | Oct 30, 2018 · Amount on File |
| Deed Document Number | 202213033 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 13, 2022 |
| Property Address | 314 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Number | 0000013067 |
| Instrument Date | Sep 2, 2022 |
| Instrument | 202213067 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 708 SHOOK CT, BAY CITY, MI 48708-6983 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 13, 2022 |
| Property Address | 314 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Number | 0000013069 |
| Instrument Date | Sep 2, 2022 |
| Instrument | 202213069 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 708 SHOOK CT, BAY CITY, MI 48708-6983 |
| Name | Verified Name |
|---|---|
| Address | 314 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 13, 2022 |
| Property Address | 314 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Number | 0000013068 |
| Instrument Date | Sep 2, 2022 |
| Instrument | 202213068 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 314 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 13, 2022 |
| Property Address | 314 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Number | 0000013033 |
| Instrument Date | Sep 2, 2022 |
| Instrument | 202213033 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 314 E GARY ST, BAY CITY, MI 48706-3558 |
| Name | Verified Name |
|---|---|
| Address | 314 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Number | 0000013034 |
|---|---|
| Date | Sep 13, 2022 |
| Instrument | 202213034 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2037 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.7% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 30, 2018 |
| Property Address | 314 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Number | 0000014825 |
| Instrument Date | Oct 26, 2018 |
| Instrument | 14825 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2019 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $774.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8300 FILION RD PORT HOPE MI 484689339, PORT HOPE, MI 48468-9339 |
| Document Number | 14826 |
|---|---|
| Date | Oct 30, 2018 |
| Instrument | 14826 |
| Name | ACADEMY MTG |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 29, 2038 |
The 2026 property tax bill for 314 E Gary St was $3,654 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 | $3,654.00 Homeowner's exemption | $104,350 | $208,700 |
| 2023 | $72,250 | $144,500 | |
| 2022 | $2,177.00 |
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 314 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 314 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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