3434 Fraser Rd, Bay City, MI 48706 Property Records

Bay County property record for 3434 Fraser Rd, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,232 sqft · built 1909
Lot Size	3.65 acres (158,994 sqft)
Owner	2 Individual Names on File
Last Sale	$170,100 (Apr 2022)
Tax Bill	$2,382 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`100-005-400-045-00`

Property Details

APN / Parcel Number

Primary APN	`100-005-400-045-00`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	704 sqft
Basement Area	704 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Lot Area	158,994 sqft (3.65 acres)
Lot Dimensions	673 ft deep x 236 ft wide
Garage Area	788 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3434 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 644.65 FT N OF SE COR SEC 5, TH N 236.12 FT, TH S89?55'32"W 673.09 FT PLL W/ E-W 1/4 LN, TH S0?07'20"W 236.12 FT, TH
Jurisdiction	BAY MI
Township / Civil Division	MONITOR
Census Block Group	2
Census Block	2010
Census Tract	285700

Owner

3434 Fraser Rd is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3434 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
Nov 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage THE LOAN STORE INC
Nov 21, 2022	Intrafamily Transfer, Transfer
Apr 18, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2022 · Amount on File
Deed Sale	Apr 18, 2022 · Amount on File
Prior Sale	May 22, 2012 · Amount on File
Deed Document Number	20226370
Prior Transfer Date	Apr 8, 2022
Prior Transfer Doc	0000015911
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3434 FRASER RD, BAY CITY, MI 48706-9442
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3434 FRASER RD 8, 8, BAY CITY, MI 48706-9442

Mortgage

Document Number	0000014490
Date	Nov 20, 2025
Instrument	202514490

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY MI
Recording Date	Nov 21, 2022
Property Address	3434 FRASER RD, BAY CITY, MI 48706-9442
Document Number	0000015911
Instrument Date	Apr 8, 2022
Instrument	202215911
Transaction Type	Transfer
Record Updated	Jan 9, 2023

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	3434 FRASER RD, BAY CITY, MI 48706-9442

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Apr 18, 2022
Property Address	3434 FRASER RD, BAY CITY, MI 48706-9442
Document Number	0000006370
Instrument Date	Apr 6, 2022
Instrument	202206370
Transaction Type	Transfer
Record Updated	Jul 13, 2022

Transaction

Amount	Amount on Record
Tax	$1,278.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3434 FRASER RD, 3434, BAY CITY, MI 48706-9442

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3434 FRASER RD, BAY CITY, MI 48706-9442

Tax Assessment & Valuation

The 2026 property tax bill for 3434 Fraser Rd was $2,382 with a homeowner's exemption, up 158.9% 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	$2,382.00 (+158.91%) Homeowner's exemption	$84,900 (+10.69%)	$169,800 (+10.69%)
2025	$920.00 Homeowner's exemption	$76,700	$153,400
2023		$57,800	$115,600

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 3434 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 3434 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

Nearby Properties on Fraser Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures