Bay County property record for 3960 E Smith Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,414 sqft · built 1976 |
| Lot Size | 0.994 acres (43,299 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $218,000 (Sep 2022) |
| Tax Bill | $4,224 (2026) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 010-L13-000-933-00 |
| Primary APN | 010-L13-000-933-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,414 sqft Living Area |
| 1st Floor Area | 1,208 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Bi-Level |
| Lot Area | 43,299 sqft (0.994 acres) |
| Lot Dimensions | 417 ft deep x 107 ft wide |
| Garage Area | 496 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3960 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 933, EX S 330 FT. LAGOON BEACH 3RD ADD AS RECORDED IN LIBER 4 OF PLATS PAGE 67 OF BAY COUNTY RECORDS. |
| Legal Subdivision | LAGOON BEACH 3RD ADD |
| Legal Lot Number | 933 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 285900 |
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 | 2526 JAMES RD, BAY CITY, MI 48708-9130 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 19, 2022 · Amount on Record |
| Deed Sale | Sep 19, 2022 · Amount on Record |
| Prior Sale | Oct 4, 1984 · Amount on Record |
| Deed Document Number | 202213323 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 19, 2022 |
| Property Address | 3960 E SMITH RD, BAY CITY, MI 48706-1745 |
| Document Number | 0000013323 |
| Map Reference | LB 4 PG 67 |
| Instrument Date | Sep 16, 2022 |
| Instrument | 202213323 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,635.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3960 E SMITH RD, 3960, BAY CITY, MI 48706-1745 |
| Name | Verified Name |
|---|---|
| Address | 2526 JAMES RD, BAY CITY, MI 48708-9130 |
| Document Number | 0000013324 |
|---|---|
| Date | Sep 19, 2022 |
| Instrument | 202213324 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
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 | $4,224.00 (+69.84%) Homeowner's exemption | $135,300 (+30.6%) | $270,600 (+30.6%) |
| 2023 | $103,600 | $207,200 | |
| 2022 | $2,487.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|
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 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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