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3885 E Smith Rd, Bay City, MI 48706 Property Records

Bay County property record for 3885 E Smith Rd, Bay City, MI 48706

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,894 sqft · built 1971
Lot Size0.41 acres (17,860 sqft)
OwnerIndividual Name on Record
Last Sale$100,000 (Feb 2021)
Tax Bill$381 (2026)
Deeds & MortgagesJul 2026 Transfer
Sep 2023 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN010-005-200-105-00

Property Details

APN / Parcel Number

Primary APN010-005-200-105-00

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area2,894 sqft Living Area
1st Floor Area1,806 sqft

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1971
Lot Area17,860 sqft (0.41 acres)
Lot Dimensions225 ft deep x 176 ft wide
Garage Area704 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address3885 E SMITH RD
CityBAY CITY
StateMI
Zip48706-1742
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-2
Legal DescriptionCOM AT INTER OF NLY LI OF SMITH RD WI E LI OF HENRY RD TH N 125 FT TH N 73D 43M E 104.30 FT TH SLY 22.58 FT TH E 45.29 FT TH
JurisdictionBAY MI
Township / Civil DivisionBANGOR
Census Block Group2
Census Block2001
Census Tract285900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address3885 E SMITH RD, BAY CITY, MI 48706-1742
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 6, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Sep 22, 2023Intrafamily Transfer, Transfer
Feb 2, 2021Warranty Deed, Transfer
Nov 5, 2018Warranty Deed, Transfer
OTHER
Nov 5, 2018Quit Claim Deed, Mortgage · Conventional Mortgage
FINANCIALEDGE CMNTY CU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 2, 2021 · Amount on Record
Deed SaleFeb 2, 2021 · Amount on Record
Prior SaleNov 5, 2018 · Amount on Record
Deed Document Number20211935
Last Transfer DateSep 22, 2023
Transfer Doc0000010705
Record UpdatedSep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBAY MI
Recording DateJul 6, 2026
Property Address3885 E SMITH RD, BAY CITY, MI 48706-1742
Document Number0000008839
Instrument DateJun 26, 2026
Instrument20268839
Transaction TypeTransfer
Record UpdatedJul 16, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3885 E SMITH RD, BAY CITY, MI 48706-1742

September 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY MI
Recording DateSep 22, 2023
Property Address3885 E SMITH RD, BAY CITY, MI 48706-1742
Document Number0000010705
Instrument DateSep 22, 2023
Instrument202310705
Transaction TypeTransfer
Record UpdatedOct 10, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3885 E SMITH RD, BAY CITY, MI 48706-1742

Transferred To (Grantee/Buyer)

NameVerified Name
Address3885 E SMITH RD, BAY CITY, MI 48706-1742

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY MI
Recording DateFeb 2, 2021
Property Address3885 E SMITH RD, BAY CITY, MI 48706-1742
Document Number202101935
Instrument DateJan 28, 2021
Instrument202101935
Transaction TypeTransfer
Record UpdatedJul 15, 2021

Transaction

AmountAmount Recorded
Tax$860.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3885 E SMITH RD, 3885, BAY CITY, MI 48706-1742

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address7100 W GRANDVIEW RD APT 1115, 1115, PEORIA, AZ 85382-4910

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY MI
Recording DateNov 5, 2018
Property Address3885 E SMITH RD, BAY CITY, MI 48706-1742
Document Number0000015174
Instrument DateOct 31, 2018
Instrument15174
Transaction TypeTransfer
Record UpdatedJan 7, 2019
Title CompanyOTHER

Transaction

AmountAmount Recorded
Tax$860.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3885 E SMITH RD BAY CITY MI 487061742, BAY CITY, MI 48706-1742

November 2018: Quit Claim Deed, Mortgage

Document TypeQuit Claim Deed
JurisdictionBAY MI
Recording DateNov 5, 2018
Property Address3885 E SMITH RD, BAY CITY, MI 48706-1742
Document Number0000015175
Instrument DateOct 31, 2018
Instrument15175
Transaction TypeMortgage
Record UpdatedJan 7, 2019
Title CompanyOTHER

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3885 E SMITH RD BAY CITY MI 487061742, BAY CITY, MI 48706-1742

Mortgage

Document Number15176
DateNov 5, 2018
Instrument15176
Lender
NameFINANCIALEDGE CMNTY CU
TypeCredit Union
AddressBAY CITY, MI 48706
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueNov 4, 2028

Tax Assessment & Valuation

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyBay County
County SubdivisionBangor Charter Township
Unified School DistrictBangor Township Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$381.00 (-87.83%) Homeowner's exemption$126,550 (+40.61%)$253,100 (+40.61%)
2023$90,000$180,000
2022$3,131.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 20 policies
Nearby Flood Policies20 in force
Nearby Flood Claims8 (1983–2017)
Claims Outside the SFHA2 of 8
Most Recent ClaimJun 2017 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, Jun 2017 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 95% of the US · lower than 89% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCITY OF BAY CITY
serves 32,255 people · EPA ID MI0000470
Water SourcePurchased surface water from BAY AREA WATER SYSTEM
Last State InspectionNov 2025
Lead8 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jan 2024
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
AT&T
DSL		100 / 20

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