3320 Fraser Rd, Bay City, MI 48706 Property Records

Bay County property record for 3320 Fraser Rd, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,800 sqft · built 2003
Lot Size	5.23 acres (227,819 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Aug 2002)
Tax Bill	$6,312 (2026)
Deeds & Mortgages	Feb 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`100-005-400-020-03`

Property Details

APN / Parcel Number

Primary APN	`100-005-400-020-03`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,800 sqft Living Area
1st Floor Area	2,800 sqft
Basement Area	2,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Lot Area	227,819 sqft (5.23 acres)
Lot Dimensions	930 ft deep x 245 ft wide
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3320 FRASER RD
City	BAY CITY
State	MI
Zip	48706-9442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	COM 636 FT S FR E 1/4 COR OF SEC TH S 245 FT TH W 926.67 FT TH N 0D 10M W 34.21 FT & N 02D 11M W 210.90 FT ALG C/L OF
Jurisdiction	BAY MI
Township / Civil Division	MONITOR
Census Block Group	2
Census Block	2010
Census Tract	285700

Owner

3320 Fraser Rd is owned and occupied by an individual who acquired it in February 2018.

Source: Bay County records, as of May 18, 2026

Owner of Record	Individual Name on File
Mailing Address	3269 BOY SCOUT RD, BAY CITY, MI 48706-1255
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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, 2002 · Amount on File
Deed Sale	Aug 8, 2002 · Amount on File
Deed Book / Page	1917 / 655
Last Transfer Date	Feb 14, 2018
Transfer Doc	201801966
Record Updated	Jun 8, 2026

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Feb 20, 2018
Property Address	3320 FRASER RD, BAY CITY, MI 48706-9442
Document Number	0000001966
Instrument Date	Feb 14, 2018
Instrument	1966
Transaction Type	Transfer
Record Updated	Apr 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3320 FRASER RD BAY CITY MI 487069442, BAY CITY, MI 48706-9442

Tax Assessment & Valuation

The 2026 property tax bill for 3320 Fraser Rd was $6,312 with a homeowner's exemption, up 143.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Monitor Charter Township
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,312.00 (+143.24%) Homeowner's exemption	$275,800 (+10.28%)	$551,600 (+10.28%)
2025	$2,595.00 Homeowner's exemption	$250,100	$500,200
2023		$163,000	$326,000

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

Flood

FEMA maps place 3320 Fraser Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.

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 Policies	1 in force
Nearby Flood Claims	3 (1996–2017)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jun 2017 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2017 · 3 claims

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

Wildfire risk around 3320 Fraser 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 97% of the US · lower than 93% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20