Bay County property record for 315 E Murphy St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,686 sqft · built 1905 |
| Lot Size | 0.196 acres (8,538 sqft) |
| Owner | Individual Name on File |
| Last Sale | $117,900 (Aug 2007) |
| Tax Bill | $2,048 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-126-015-00 |
| Primary APN | 160-016-126-015-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,686 sqft Living Area |
| 1st Floor Area | 1,013 sqft |
| Basement Area | 898 sqft |
| Unfinished Basement | 1,013 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 8,538 sqft (0.196 acres) |
| Lot Dimensions | 155 ft deep x 55 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 264 sqft |
| Patio Area | 20 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 315 E MURPHY ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3976 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | COM 350 FT E OF NE COR MURPHY & SIDNEY STS TH N 155 FT TH E 55 FT TH S 155 FT TH W 55 FT TO BEG SEC 16 T14NR5E |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 281300 |
315 E Murphy St is owned and occupied by an individual who bought it in August 2007.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 315 E MURPHY ST, BAY CITY, MI 48706-3976 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 9, 2007 · Amount on File |
| Deed Sale | Aug 9, 2007 · Amount on File |
| Prior Sale | Jul 11, 2005 · Amount on File |
| Deed Book / Page | 2553 / 149 |
| Prior Transfer Date | Jan 6, 1978 |
| Prior Transfer Doc | 1444000895 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 315 E Murphy St was $2,048 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 | $2,048.00 Homeowner's exemption | $78,400 | $156,800 |
| 2023 | $56,000 | $112,000 | |
| 2022 | $1,789.00 |
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 315 E Murphy St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 | 2 (1979–1983) |
| Most Recent Claim | Mar 1983 · rainfall accumulation |
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.
Wildfire risk around 315 E Murphy 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 98% of the US · lower than 95% 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 572 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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