3471 Fraser Rd, Bay City, MI 48706 Property Records

Bay County property record for 3471 Fraser Rd, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,598 sqft · built 2015
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on File
Last Sale	$490,000 (Oct 2026)
Tax Bill	$5,165 (2026)
Deeds & Mortgages	Oct 2026 Sale Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`100-004-300-030-07`

Property Details

APN / Parcel Number

Primary APN	`100-004-300-030-07`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,598 sqft Living Area
1st Floor Area	1,299 sqft
Basement Area	1,299 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Lot Area	47,916 sqft (1.1 acres)
Lot Dimensions	242 ft deep x 174 ft wide
Garage Area	1,398 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3471 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 SEC LN N0?41'42"E 256.90 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, TH
Jurisdiction	BAY MI
Township / Civil Division	MONITOR
Census Block Group	2
Census Block	2011
Census Tract	285700

Owner

3471 Fraser Rd is owned and occupied by an individual who bought it in October 2026.

Source: Bay County records, as of October 16, 2026

Owner of Record	Individual Name on File
Mailing Address	2421 E FILION RD, FILION, MI 48432-9748
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
Oct 7, 2026	Warranty Deed, Transfer CROSSROADS TITLE
Apr 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage WILDFIRE CU
Apr 10, 2020	Deed of Trust, Mortgage · Line of Credit WILDFIRE CU
Apr 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage WILDFIRE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2026 · Amount on File
Deed Sale	Oct 7, 2026 · Amount on File
Prior Sale	Nov 18, 2014 · Amount on File
Deed Document Number	202613182
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Oct 7, 2026
Property Address	3471 FRASER RD, BAY CITY, MI 48706-9442
Document Number	0000013182
Instrument Date	Sep 25, 2026
Instrument	202613182
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount on Record
Tax	$371,175.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2421 E FILION RD, FILION, MI 48432-9748

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3471 FRASER RD, BAY CITY, MI 48706-9442
Document Number	0000005406
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3471 FRASER RD BAY CITY MI 487069442, BAY CITY, MI 48706-9442

Mortgage

Document Number	0000005406
Date	Apr 15, 2020
Instrument	5406

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605-3285

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 14, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3471 FRASER RD, BAY CITY, MI 48706-9442
Document Number	0000005491
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	DIVERSIFIED NATIONAL TITLE, DIVERSIFIED NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3471 FRASER RD BAY CITY MI 487069442, BAY CITY, MI 48706-9442

Mortgage

Document Number	0000005491
Date	Apr 20, 2020
Instrument	5491

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605-3285

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 19, 2045

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3471 FRASER RD, BAY CITY, MI 48706-9442
Document Number	0000005408
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3471 FRASER RD BAY CITY MI 487069442, BAY CITY, MI 48706-9442

Mortgage

Document Number	0000005408
Date	Apr 15, 2020
Instrument	5408

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605-3285

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 14, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3471 Fraser Rd was $5,165 with a homeowner's exemption, up 145.3% 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	$5,165.00 (+145.25%) Homeowner's exemption	$225,700 (+9.62%)	$451,400 (+9.62%)
2025	$2,106.00 Homeowner's exemption	$205,900	$411,800
2023		$132,300	$264,600

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 3471 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 3471 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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