Bay County property record for 357 River Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,532 sqft · built 1968 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,714 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 010-L10-000-803-00 |
| Primary APN | 010-L10-000-803-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,532 sqft Living Area |
| 1st Floor Area | 1,508 sqft |
| Basement Area | 1,292 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Lot Area | 8,756 sqft (0.201 acres) |
| Lot Dimensions | 175 ft deep x 50 ft wide |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 357 RIVER RD |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-1445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 803 & SWLY 7 FT OF LOT 804 & THAT PART OF VACATED PARK ADJ ON S. LAGOON BEACH SUBDIVISION AS RECORDED IN BAY COUNTY REG. |
| Legal Subdivision | LAGOON BEACH SUBDIVISION |
| Legal Lot Number | 803-804 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 286000 |
Source: Bay County records, as of May 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 357 RIVER RD, BAY CITY, MI 48706-1445 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2025 |
| Deed Sale | Oct 22, 2025 |
| Prior Sale | Jun 14, 2011 · Amount on Record |
| Deed Document Number | 202513315 |
| Prior Transfer Date | Sep 19, 2025 |
| Prior Transfer Doc | 0000013315 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 22, 2025 |
| Property Address | 357 RIVER RD, BAY CITY, MI 48706-1445 |
| Document Number | 0000013315 |
| Map Reference | LB 4 PG 44 |
| Instrument Date | Sep 19, 2025 |
| Instrument | 202513315 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 357 RIVER RD, BAY CITY, MI 48706-1445 |
| Document Number | 0000013316 |
|---|---|
| Date | Oct 22, 2025 |
| Instrument | 202513316 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Bangor Charter Township |
| Unified School District | Bangor Township Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,714.00 (+74.27%) Homeowner's exemption | $201,150 (+14.62%) | $402,300 (+14.62%) |
| 2025 | $2,705.00 (-40.89%) Homeowner's exemption | $175,500 (+27.45%) | $351,000 (+27.45%) |
| 2024 | $4,576.00 (+17.18%) | ||
| 2023 | $137,700 | $275,400 | |
| 2022 | $3,905.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 584.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 24 policies |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 52 (1980–2021) |
| Claims Outside the SFHA | 37 of 52 |
| Most Recent Claim | Sep 2021 · river or lake 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF BAY CITY serves 32,255 people · EPA ID MI0000470 |
|---|---|
| Water Source | Purchased surface water from BAY AREA WATER SYSTEM |
| Last State Inspection | Nov 2025 |
| Lead | 8 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2024 |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 241 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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