Bay County property record for 3386 Fraser Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,456 sqft · built 1996 |
| Lot Size | 2.62 acres (114,127 sqft) |
| Owner | Individual Name on File |
| Last Sale | $15,000 (Dec 1995) |
| Tax Bill | $2,076 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage Mar 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 100-005-400-045-01 |
| Primary APN | 100-005-400-045-01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 1,456 sqft |
| Basement Area | 1,456 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Lot Area | 114,127 sqft (2.62 acres) |
| Lot Dimensions | 672 ft deep x 170 ft wide |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 3386 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 | NLY 170 FT OF A PARC DESCD AS COM 644.65 FT N OF SE COR OF SEC TH N 656.12 FT TH W 672.23 FT ALG S 1/8 LI TH S 656.12 FT TH E |
| Jurisdiction | BAY MI |
| Township / Civil Division | MONITOR |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 285700 |
3386 Fraser Rd is owned and occupied by an individual who bought it in December 1995.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3386 FRASER RD, BAY CITY, MI 48706-9442 |
| 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.
| Date | Document |
|---|---|
| Mar 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FINANCIALEDGE COMMUNITY CU |
| Mar 27, 2017 | Loan Modification, Mortgage · Conventional Mortgage FINANCIAL EDGE CMNTY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 1995 · Amount on File |
| Deed Sale | Dec 22, 1995 · Amount on File |
| Deed Book / Page | 1388 / 568 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3386 FRASER RD, BAY CITY, MI 48706-9442 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3386 FRASER RD, BAY CITY, MI 48706-9442 |
| Document Number | 0000004311 |
|---|---|
| Date | Mar 28, 2022 |
| Instrument | 202204311 |
| Name | FINANCIALEDGE COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | BAY CITY, MI 48706 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3386 FRASER RD, BAY CITY, MI 48706-9442 |
| Document Number | 0032060732 |
| Instrument Date | Mar 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3386 FRASER RD BAY CITY MI 487069442, BAY CITY, MI 48706-9442 |
| Document Number | 0032060732 |
|---|---|
| Date | Mar 28, 2017 |
| Book Page | 003206/000732 |
| Name | FINANCIAL EDGE CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | BAY CITY, MI 48706 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Mar 27, 2022 |
| Rate | 6.25% |
|---|
The 2026 property tax bill for 3386 Fraser Rd was $2,076 with a homeowner's exemption.
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 | $2,076.00 Homeowner's exemption | $71,200 | $142,400 |
| 2023 | $49,600 | $99,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3386 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 3386 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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