Bay County property record for 3951 E Smith Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,364 sqft · built 1969 |
| Lot Size | 0.202 acres (8,799 sqft) |
| Owner | Individual Name on File |
| Last Sale | $101,000 (Dec 2020) |
| Tax Bill | $2,071 (2026) |
| Deeds & Mortgages | Nov 2021 Second Mortgage Dec 2020 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 010-L13-000-917-00 |
| Primary APN | 010-L13-000-917-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,364 sqft Living Area |
| 1st Floor Area | 1,364 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Ranch |
| Lot Area | 8,799 sqft (0.202 acres) |
| Lot Dimensions | 110 ft deep x 80 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3951 E SMITH RD |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-1744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOTS 917 & 918. LAGOON BEACH 3RD ADD. AS RECORDED IN LIBER 4 OF PLATS PAGE 67 OF BAY COUNTYRECORDS. |
| Legal Subdivision | LAGOON BEACH THIRD ADDITION |
| Legal Lot Number | 917-918 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 285900 |
3951 E Smith Rd is owned and occupied by an individual who bought it in December 2020.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3951 E SMITH RD, BAY CITY, MI 48706-1744 |
| 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.
| Date | Document |
|---|---|
| Nov 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FINANCIALEDGE COMMUNITY CU |
| Dec 23, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2020 · Amount on File |
| Deed Sale | Dec 23, 2020 · Amount on File |
| Prior Sale | Oct 12, 1993 · Amount on File |
| Deed Document Number | 202018526 |
| Prior Transfer Date | Aug 14, 2012 |
| Prior Transfer Doc | 0028960220 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3951 E SMITH RD, BAY CITY, MI 48706-1744 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3951 E SMITH RD, BAY CITY, MI 48706-1744 |
| Document Number | 0000019408 |
|---|---|
| Date | Nov 17, 2021 |
| Instrument | 202119408 |
| Name | FINANCIALEDGE COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | BAY CITY, MI 48706 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Dec 1, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Dec 23, 2020 |
| Property Address | 3951 E SMITH RD, BAY CITY, MI 48706-1744 |
| Document Number | 0000018526 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 18526 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $869.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5136 BAXMAN RD BAY CITY MI 487063054, BAY CITY, MI 48706-3054 |
The 2026 property tax bill for 3951 E Smith Rd was $2,071 with a homeowner's exemption, up 86.1% from the year before.
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 | $2,071.00 (+86.07%) Homeowner's exemption | $68,250 (+3.64%) | $136,500 (+3.64%) |
| 2025 | $1,113.00 Homeowner's exemption | $65,850 | $131,700 |
| 2023 | $52,400 | $104,800 | |
| 2022 | $1,708.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3951 E Smith Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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 |
|
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 risk around 3951 E Smith Rd is low, with less than a 0.01% annual chance of 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.
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 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 |
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