Bay County property record for 3990 E Smith Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,542 sqft · built 1976 |
| Lot Size | 1.17 acres (50,965 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (Mar 2017) |
| Tax Bill | $2,914 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 010-L13-000-935-01 |
| Primary APN | 010-L13-000-935-01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 1,542 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Lot Area | 50,965 sqft (1.17 acres) |
| Lot Dimensions | 475 ft deep x 107 ft wide |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 3990 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 935 EX S 330 FT LAGOON BEACH 3RD ADD. |
| Legal Subdivision | LAGOON BEACH THIRD ADDITION |
| Legal Lot Number | 935 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 285900 |
Source: Bay County records, as of July 14, 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 | 3990 E SMITH RD, BAY CITY, MI 48706-1745 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 25, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Dec 12, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Mar 13, 2017 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 13, 2017 · Amount on Record |
| Deed Sale | Mar 13, 2017 · Amount on Record |
| Prior Sale | Apr 15, 2016 · Amount on Record |
| Deed Book / Page | 3204 / 421 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jun 30, 2026 |
| Property Address | 3990 E SMITH RD, BAY CITY, MI 48706-1745 |
| Document Number | 0000008669 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 20268669 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3990 E SMITH RD, BAY CITY, MI 48706-1745 |
| Document Number | 0000008669, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 20268669 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3990 E SMITH RD, BAY CITY, MI 48706-1745 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3990 E SMITH RD, BAY CITY, MI 48706-1745 |
| Document Number | 0000002816 |
|---|---|
| Date | Feb 25, 2022 |
| Instrument | 202202816 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 3990 E SMITH RD, BAY CITY, MI 48706-1745 |
| Document Number | 0000000039 |
| Instrument Date | Dec 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 0000000039 |
|---|---|
| Date | Jan 4, 2021 |
| Instrument | 39 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 3, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Mar 13, 2017 |
| Property Address | 3990 E SMITH RD, BAY CITY, MI 48706-1745 |
| Document Number | 0032040421 |
| Book / Page | 003204 / 000421 |
| Instrument Date | Mar 8, 2017 |
| Instrument | 423 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,075.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1901 3RD ST BAY CITY MI 487086214, BAY CITY, MI 48708-6214 |
| Document Number | 423 |
|---|---|
| Date | Mar 13, 2017 |
| Instrument | 423 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 12, 2047 |
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 | $2,914.00 (+23.68%) Homeowner's exemption | $113,750 (+35.01%) | $227,500 (+35.01%) |
| 2023 | $84,250 | $168,500 | |
| 2022 | $2,356.00 |
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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