3431 Fraser Rd, Bay City, MI 48706 Property Records

Bay County property record for 3431 Fraser Rd, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,356 sqft · built 2005
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Nov 2020)
Tax Bill	$3,850 (2026)
Deeds & Mortgages	Mar 2021 Transfer Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`100-004-300-030-05`

Property Details

APN / Parcel Number

Primary APN	`100-004-300-030-05`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,356 sqft Living Area
1st Floor Area	1,356 sqft
Basement Area	1,356 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Lot Area	47,916 sqft (1.1 acres)
Lot Dimensions	242 ft deep x 174 ft wide
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3431 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	BEG ON W LN N0?41'42"E 604.95 FT FROM SW COR SEC 4 TH N0?41'42"E 174 FT, TH S89?18'18"E 275 FT, TH S0?41'42"W 174 FT, TH
Jurisdiction	BAY MI
Township / Civil Division	MONITOR
Census Block Group	2
Census Block	2011
Census Tract	285700

Owner

3431 Fraser Rd is owned and occupied by an individual who acquired it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3431 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.

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2021	Intrafamily Transfer, Transfer
Nov 4, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS
Aug 16, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2020 · Amount on File
Deed Sale	Nov 4, 2020 · Amount on File
Prior Sale	Sep 3, 2010 · Amount on File
Deed Document Number	202015846
Last Transfer Date	Feb 26, 2021
Transfer Doc	0000003669
Record Updated	Oct 29, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY MI
Recording Date	Mar 4, 2021
Property Address	3431 FRASER RD, BAY CITY, MI 48706-9442
Document Number	202103669
Instrument Date	Feb 26, 2021
Instrument	202103669
Transaction Type	Transfer
Record Updated	Jul 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3431 FRASER RD, BAY CITY, MI 48706-9442

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Nov 4, 2020
Property Address	3431 FRASER RD, BAY CITY, MI 48706-9442
Document Number	0000015846
Instrument Date	Nov 3, 2020
Instrument	15846
Transaction Type	Transfer
Record Updated	Jan 18, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,935.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5029 REINHARDT LN BAY CITY MI 487063255, BAY CITY, MI 48706-3255

Mortgage

Document Number	15847
Date	Nov 4, 2020
Instrument	15847

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 3, 2050

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY MI
Recording Date	Aug 16, 2019
Property Address	3431 FRASER RD, BAY CITY, MI 48706-9442
Document Number	0000011384
Instrument Date	Mar 21, 2011
Instrument	11384
Transaction Type	Transfer
Record Updated	Nov 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3431 FRASER RD BAY CITY MI 487069442, BAY CITY, MI 48706-9442

Tax Assessment & Valuation

The 2026 property tax bill for 3431 Fraser Rd was $3,850 with a homeowner's exemption, up 149% 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	$3,850.00 (+149.03%) Homeowner's exemption	$159,900 (+9.07%)	$319,800 (+9.07%)
2025	$1,546.00 Homeowner's exemption	$146,600	$293,200
2023		$97,100	$194,200

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.

Flood

FEMA maps place 3431 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

The area around 3431 Fraser Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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

Cell Coverage

5G (outdoors only) and 4G LTE

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