3417 Cramer Rd, Bay City, MI 48706 Property Records

Bay County property record for 3417 Cramer Rd, Bay City, MI 48706 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,286 sqft · built 1975
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$139,999 (Jul 2021)
Tax Bill	$1,996 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Feb 2020 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`010-031-400-175-00`

Property Details

APN / Parcel Number

Primary APN	`010-031-400-175-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,286 sqft Living Area
1st Floor Area	1,286 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	133 ft deep x 58.2 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3417 CRAMER RD
City	BAY CITY
State	MI
Zip	48706-1219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT E 1/4 COR OF SEC TH S 33 FT TH W 200 FT TH S 133.56 FT TH W 518.78 FT TO POB TH S 133.50 FT TH W 58.17 FT TH N 133.50
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	3
Census Block	3000
Census Tract	286000

Owner

Source: Bay County records · APN 010-031-400-175-00

Assessment roll updated May 18, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	3417 CRAMER RD, BAY CITY, MI 48706-1219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Warranty Deed, Transfer · Conventional Mortgage FRANKENMUTH CU
Feb 24, 2020	Grant Deed, Transfer ATTORNEY ONLY
Dec 19, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 26, 2021 · Amount on Record
Deed Sale	Jul 26, 2021 · Amount on Record
Prior Sale	Feb 24, 2020 · Amount on Record
Deed Document Number	202112903
Record Updated	Jun 08, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jul 26, 2021
Property Address	3417 CRAMER RD, BAY CITY, MI 48706-1219
Document Number	202112903
Instrument Date	Jul 16, 2021
Instrument	202112903
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	MOELAND TITLE SERVICES LLC, HOMELAND TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3299 4835 TOWNE CENTRE ROAD #102102, 3299, BAY CITY, MI 48706

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2412 S HUNTON RD, KAWKAWLIN, MI 48631

Mortgage

Document Number	202112904
Date	Jul 26, 2021
Instrument	202112904

Lender

Name	FRANKENMUTH CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY MI
Recording Date	Feb 24, 2020
Property Address	3417 CRAMER RD, BAY CITY, MI 48706-1219
Document Number	0000002416
Instrument Date	Feb 21, 2020
Instrument	2416
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$305.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3299 HIDDEN RD BAY CITY MI 487061208, BAY CITY, MI 48706-1208

December 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BAY MI
Recording Date	Dec 19, 2018
Property Address	3417 CRAMER RD, BAY CITY, MI 48706-1219
Document Number	0000017034
Instrument Date	Dec 14, 2018
Instrument	17034
Transaction Type	Foreclosure
Record Updated	Feb 01, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$443.67
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated May 18, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Bangor Charter Township
Unified School District	Bangor Township Schools (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,996.00 (+17.9%) Homeowner's exemption	$62,700 (+31.58%)	$125,400 (+31.58%)
2023		$47,650	$95,300
2022	$1,693.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (26017C), updated February 17, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260172860003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Coastal	Yes
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1986–2009)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Mar 2009, rainfall accumulation
Claims By Storm	Severe Storms & Flooding, Sep 1986 · 4 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 127 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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