Bay County property record for 3368 Fraser Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,088 sqft · built 1978 |
| Lot Size | 3.71 acres (161,608 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $3,088 (2026) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jun 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 100-005-400-035-01 |
| Primary APN | 100-005-400-035-01 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 2,088 sqft Living Area |
| 1st Floor Area | 2,088 sqft |
| Basement Area | 972 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Lot Area | 161,608 sqft (3.71 acres) |
| Lot Dimensions | 925 ft deep x 175 ft wide |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Street Address | 3368 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 1125.93 FT S FR E 1/4 COR OF SEC TH S 175 FT TH W 925.40 FT ALG S 1/8 LI TH N 0D 10M W 175 FT ALG C/L OF HILDEBRANDT |
| Jurisdiction | BAY MI |
| Township / Civil Division | MONITOR |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 285700 |
3368 Fraser Rd is owner-occupied and held in a trust since February 2009.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 3368 FRASER RD, BAY CITY, MI 48706-9442 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Dec 2, 2025 | Deed of Trust, Mortgage · Line of Credit 1ST STATE BANK |
| Jun 23, 2023 | Deed of Trust, Mortgage · Commercial Mortgage 1ST STATE BANK |
| Aug 12, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST ST BK |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 20, 2009 |
| Transfer Doc | 0026640087 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3368 FRASER RD, BAY CITY, MI 48706-9442 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3368 FRASER RD, BAY CITY, MI 48706-9442 |
| Document Number | 0000014904 |
|---|---|
| Date | Dec 2, 2025 |
| Instrument | 202514904 |
| Name | 1ST STATE BANK |
|---|---|
| Type | Bank |
| Address | SAGINAW, MI 48605 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3368 FRASER RD, BAY CITY, MI 48706-9442 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3368 FRASER RD, BAY CITY, MI 48706-9442 |
| Document Number | 0000007305 |
|---|---|
| Date | Jun 23, 2023 |
| Instrument | 202307305 |
| Name | 1ST STATE BANK |
|---|---|
| Type | Bank |
| Address | SAGINAW, MI 48605 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3368 FRASER RD, BAY CITY, MI 48706-9442 |
| Document Number | 0000011377 |
| Instrument Date | Aug 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 3368 FRASER RD BAY CITY MI 487069442, BAY CITY, MI 48706-9442 |
| Document Number | 0000011377 |
|---|---|
| Date | Aug 16, 2019 |
| Instrument | 11377 |
| Name | FIRST ST BK |
|---|---|
| Type | Bank |
| Address | SAGINAW, MI 48605 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 3368 Fraser Rd was $3,088 with a homeowner's exemption, up 152.9% from the year before.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Monitor Charter Township |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,088.00 (+152.91%) Homeowner's exemption | $116,800 (+8.65%) | $233,600 (+8.65%) |
| 2025 | $1,221.00 Homeowner's exemption | $107,500 | $215,000 |
| 2023 | $76,700 | $153,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3368 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 |
|
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 3368 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.
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 |
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