Bay County property record for 331 River Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,216 sqft · built 1942 |
| Lot Size | 0.261 acres (11,369 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Jul 2019) |
| Tax Bill | $5,991 (2026) |
| Deeds & Mortgages | Apr 2026 Transfer Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 010-L10-000-816-00 |
| Primary APN | 010-L10-000-816-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,216 sqft Living Area |
| 1st Floor Area | 1,216 sqft |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Architectural Style | Ranch |
| Lot Area | 11,369 sqft (0.261 acres) |
| Lot Dimensions | 175 ft deep x 65 ft wide |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 331 RIVER RD |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-1445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | THE NELY 22 FT OF LOT 815 & ENTIRE LOT 816 & THAT PART OF VACATED PARK ADJ ON S. LAGOON BEACH SUBDIVISION AS RECORDED IN BAY |
| Legal Subdivision | LAGOON BEACH SUBDIVISION |
| Legal Lot Number | 815-816 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 286000 |
331 River Rd is owned and occupied by two individuals who bought it in July 2019.
Source: Bay County records, as of May 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 331 RIVER RD, BAY CITY, MI 48706-1445 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 10, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TEAM ONE CU |
| Jul 10, 2019 | Warranty Deed, Transfer · Conventional with PMI TEAM ONE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2019 · Amount on File |
| Deed Sale | Jul 10, 2019 · Amount on File |
| Prior Sale | Nov 30, 2001 · Amount on File |
| Deed Document Number | 20199594 |
| Prior Transfer Date | Dec 7, 1996 |
| Prior Transfer Doc | 1439000208 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Apr 10, 2026 |
| Property Address | 331 RIVER RD, BAY CITY, MI 48706-1445 |
| Document Number | 0000005151 |
| Instrument Date | Mar 6, 2026 |
| Instrument | 20265151 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 331 RIVER RD, BAY CITY, MI 48706-1445 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 331 RIVER RD, BAY CITY, MI 48706-1445 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202106837 |
|---|---|
| Date | Apr 13, 2021 |
| Instrument | 202106837 |
| Name | TEAM ONE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jul 10, 2019 |
| Property Address | 331 RIVER RD, BAY CITY, MI 48706-1445 |
| Document Number | 0000009594 |
| Instrument Date | Jul 1, 2019 |
| Instrument | 9594 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2019 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,064.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8371 WESTER RD #1 FREELAND MI 48623, 1, FREELAND, MI 48623 |
| Document Number | 9595 |
|---|---|
| Date | Jul 10, 2019 |
| Instrument | 9595 |
| Name | TEAM ONE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48607 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 9, 2049 |
The 2026 property tax bill for 331 River Rd was $5,991 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Bangor Charter Township |
| Unified School District | Bangor Township Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,991.00 Homeowner's exemption | $142,800 | $285,600 |
| 2023 | $100,250 | $200,500 | |
| 2022 | $3,375.00 |
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 331 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 584.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 24 policies |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 52 (1980–2021) |
| Claims Outside the SFHA | 37 of 52 |
| Most Recent Claim | Sep 2021 · river or lake flooding |
| Claims by Event |
|
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 331 River Rd 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 241 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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