Bay County property record for 3449 Fraser Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,028 sqft · built 2012 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Oct 2022) |
| Tax Bill | $4,560 (2026) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 100-004-300-030-09 |
| Primary APN | 100-004-300-030-09 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,028 sqft Living Area |
| 1st Floor Area | 2,028 sqft |
| Basement Area | 2,028 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Lot Area | 47,916 sqft (1.1 acres) |
| Lot Dimensions | 242 ft deep x 174 ft wide |
| Garage Area | 914 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3449 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 @ PT ON W LN N0?41'42"E 430.90 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, |
| Jurisdiction | BAY MI |
| Township / Civil Division | MONITOR |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 285700 |
3449 Fraser Rd is owned and occupied by two individuals who bought it in October 2022.
Source: Bay County records, as of May 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3449 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 | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2022 · Amount on File |
| Deed Sale | Oct 24, 2022 · Amount on File |
| Prior Sale | Feb 9, 2012 · Amount on File |
| Deed Document Number | 202214862 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 24, 2022 |
| Property Address | 3449 FRASER RD, BAY CITY, MI 48706-9442 |
| Document Number | 0000014862 |
| Instrument Date | Oct 19, 2022 |
| Instrument | 202214862 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,362.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3449 FRASER RD, BAY CITY, MI 48706-9442 |
| Name | Verified Name |
|---|---|
| Address | 3346 BIRCHBROOK DR, BAY CITY, MI 48706-2418 |
| Document Number | 0000014863 |
|---|---|
| Date | Oct 24, 2022 |
| Instrument | 202214863 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
The 2026 property tax bill for 3449 Fraser Rd was $4,560 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 | $4,560.00 Homeowner's exemption | $207,500 | $415,000 |
| 2023 | $122,100 | $244,200 |
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.
FEMA maps place 3449 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 3449 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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