Bay County property record for 3446 Fraser Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,256 sqft · built 1979 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Jun 1999) |
| Tax Bill | $2,618 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 100-005-400-040-01 |
| Primary APN | 100-005-400-040-01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 2,256 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 1,104 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Ranch |
| Lot Area | 217,800 sqft (5 acres) |
| Lot Dimensions | 673 ft deep x 324 ft wide |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 3446 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 AT SE COR OF SEC TH N 319.84 FT TO POB TH N 324.81 FT TH W 673.59 FT TH S 324.81 FT TH E 674.33 FT TO BEG. SEC 5 T14N R4E |
| Legal Range | 04E |
| Legal Township | 14N |
| Legal Section | 05 |
| Jurisdiction | BAY MI |
| Township / Civil Division | MONITOR |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 285700 |
3446 Fraser Rd is owned and occupied by an individual who bought it in June 1999.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3446 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 18, 1999 · Amount on File |
| Deed Sale | Jun 18, 1999 · Amount on File |
| Deed Book / Page | 1618 / 275 |
| Record Updated | Jun 8, 2026 |
The 2026 property tax bill for 3446 Fraser Rd was $2,618 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 | $2,618.00 Homeowner's exemption | $104,200 | $208,400 |
| 2023 | $69,500 | $139,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3446 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.
The area around 3446 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.
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 |
5G (outdoors only) and 4G LTE
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