3910 E Smith Rd, Bay City, MI 48706 Property Records

Bay County property record for 3910 E Smith Rd, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,486 sqft · built 1967
Lot Size	0.618 acres (26,920 sqft)
Owner	Individual Name on Record
Last Sale	$154,900 (Aug 2019)
Tax Bill	$3,050 (2026)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`010-L13-000-929-00`

Property Details

APN / Parcel Number

Primary APN	`010-L13-000-929-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,486 sqft Living Area
1st Floor Area	1,486 sqft
Basement Area	1,486 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Lot Area	26,920 sqft (0.618 acres)
Lot Dimensions	259 ft deep x 107 ft wide
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3910 E SMITH RD
City	BAY CITY
State	MI
Zip	48706-1745
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 929. LAGOON BEACH 3RD ADD., AS RECORDED IN LIBER 4 OF PLATS, PAGE 67.
Legal Subdivision	LAGOON BEACH THIRD ADDITION
Legal Lot Number	929
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	2
Census Block	2003
Census Tract	285900

Owner

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	Individual Name on Record
Mailing Address	3910 E SMITH RD, BAY CITY, MI 48706-1745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2019 · Amount on Record
Deed Sale	Aug 1, 2019 · Amount on Record
Prior Sale	Aug 1, 2007 · Amount on Record
Deed Document Number	201910657
Record Updated	Oct 29, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Aug 1, 2019
Property Address	3910 E SMITH RD, BAY CITY, MI 48706-1745
Document Number	0000010657
Instrument Date	Jul 26, 2019
Instrument	10657
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,332.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 18TH ST BAY CITY MI 487084700, BAY CITY, MI 48708-4700

Mortgage

Document Number	10658
Date	Aug 1, 2019
Instrument	10658

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2049

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	$3,050.00 (+20.89%) Homeowner's exemption	$113,750 (+31.66%)	$227,500 (+31.66%)
2023		$86,400	$172,800
2022	$2,523.00

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