Bay County property record for 3973 E Smith Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,224 sqft · built 1987 |
| Lot Size | 0.202 acres (8,799 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $5,000 (Jul 1987) |
| Tax Bill | $1,807 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 010-L13-000-913-00 |
| Primary APN | 010-L13-000-913-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,224 sqft Living Area |
| 1st Floor Area | 1,224 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Lot Area | 8,799 sqft (0.202 acres) |
| Lot Dimensions | 110 ft deep x 80 ft wide |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3973 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 913 & 914. LAGOON BEACH 3RD ADD. |
| Legal Subdivision | LAGOON BEACH THIRD ADDITION |
| Legal Lot Number | 913-914 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 2 |
| Census Block | 2002 |
| 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 | 3973 E SMITH RD, BAY CITY, MI 48706-1744 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 1987 · Amount on Record |
| Deed Sale | Jul 16, 1987 · Amount on Record |
| Deed Book / Page | 1058 / 844 |
| Last Transfer Date | Oct 18, 2012 |
| Transfer Doc | 0029140461 |
| Record Updated | Jun 8, 2026 |
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 | $1,807.00 (+86.67%) Homeowner's exemption | $78,050 (+2.9%) | $156,100 (+2.9%) |
| 2025 | $968.00 (-34.81%) Homeowner's exemption | $75,850 (+25.06%) | $151,700 (+25.06%) |
| 2023 | $60,650 | $121,300 | |
| 2022 | $1,485.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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