3909 E Smith Rd, Bay City, MI 48706 Property Records

Bay County property record for 3909 E Smith Rd, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 896 sqft
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Mar 2022)
Tax Bill	$1,770 (2026)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`010-005-200-120-00`

Property Details

APN / Parcel Number

Primary APN	`010-005-200-120-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	896 sqft Living Area
1st Floor Area	896 sqft

Exterior

Architectural Style	Ranch
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	148 ft deep x 68 ft wide
Garage Area	976 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3909 E SMITH RD
City	BAY CITY
State	MI
Zip	48706-1742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	COM AT A PT ON N LI OF SMITH RD N 73D 43M E 257.5 FT FR INTER WI E LI STATE PARK DR TH N 157 FT TH E TO PT ON W LI EDDY RD
Legal Lot Number	8
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	2
Census Block	2001
Census Tract	285900

Owner

Source: Bay County records, as of July 8, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3909 E SMITH RD, BAY CITY, MI 48706-1742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2022 · Amount on Record
Deed Sale	Mar 3, 2022 · Amount on Record
Prior Sale	Feb 1, 1991 · Amount on Record
Deed Document Number	20223114
Record Updated	Sep 20, 2026

March 2022: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	BAY MI
Recording Date	Mar 3, 2022
Property Address	3909 E SMITH RD, BAY CITY, MI 48706-1742
Document Number	0000003114
Instrument Date	Jan 25, 2022
Instrument	202203114
Transaction Type	Transfer
Record Updated	Apr 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 412, HIGGINS LAKE, MI 48627-0412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 E SMITH RD, BAY CITY, MI 48706-1742

Mortgage

Date	Mar 3, 2022

Lender

Name	SIMON LUKASAK
Type	Private Party

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Bangor Charter Township
Unified School District	Bangor Township Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,770.00 (+20.08%) Homeowner's exemption	$51,150 (+28.84%)	$102,300 (+28.84%)
2023		$39,700	$79,400
2022	$1,474.00

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 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 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	8 (1983–2017)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Jun 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 Risk	Low lower than 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

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

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