Bay County property record for 318 E Gary St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,092 sqft · built 1969 |
| Lot Size | 0.155 acres (6,752 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $172,000 (Jan 2026) |
| Tax Bill | $2,098 (2026) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Jan 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-017-257-010-00 |
| Primary APN | 160-017-257-010-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 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 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 6,752 sqft (0.155 acres) |
| Lot Dimensions | 90 ft deep x 75 ft wide |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 16 sqft |
| Patio Area | 816 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 318 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 | 90 FT N & S BY 75 FT E & W BBD E BY A LI 176.84 FT E OF W LI HENRY ST & S BY A LI PAR TO E & W 1/4 LI & 70 FT N THRFM SEC 17 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 286600 |
318 E Gary St is owned and occupied by two individuals who bought it in January 2026.
Source: Bay County records, as of September 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 204 ROMAIN RD, CARO, MI 48723-9121 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jan 29, 2026 | Fiduciary Deed, Transfer · Conventional Mortgage FRANKENMUTH CU |
| Jan 29, 2026 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 29, 2026 · Amount on File |
| Deed Sale | Jan 29, 2026 · Amount on File |
| Deed Document Number | 20261003 |
| Prior Transfer Date | May 1, 2006 |
| Prior Transfer Doc | 0000000999 |
| Record Updated | Oct 29, 2026 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jan 29, 2026 |
| Property Address | 318 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Number | 0000001003 |
| Instrument Date | Jan 9, 2026 |
| Instrument | 202601003 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5663 S 4 MILE RD, BAY CITY, MI 48706-9058 |
| Name | Verified Name |
|---|---|
| Address | 204 ROMAIN RD, CARO, MI 48723-9121 |
| Document Number | 0000001004 |
|---|---|
| Date | Jan 29, 2026 |
| Instrument | 202601004 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jan 29, 2026 |
| Property Address | 318 E GARY ST, BAY CITY, MI 48706-3558 |
| Document Number | 0000000999 |
| Instrument Date | May 1, 2006 |
| Instrument | 202600999 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 318 E GARY ST, BAY CITY, MI 48706-3558 |
| Name | Verified Name |
|---|---|
| Address | 318 E GARY ST, BAY CITY, MI 48706-3558 |
The 2026 property tax bill for 318 E Gary St was $2,098 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 | $2,098.00 Homeowner's exemption | $80,950 (+7.01%) | $161,900 (+7.01%) |
| 2025 | $75,650 | $151,300 | |
| 2024 | $2,037.00 | ||
| 2023 | $56,550 | $113,100 | |
| 2022 | $1,833.00 |
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 318 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 318 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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