Bay County property record for 401 King St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,382 sqft · built 1977 |
| Lot Size | 0.212 acres (9,235 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,243 (2026) |
| Deeds & Mortgages | Jan 2018 Mortgage May 2017 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-017-484-013-00 |
| Primary APN | 160-017-484-013-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,382 sqft Living Area |
| 1st Floor Area | 1,106 sqft |
| Basement Area | 1,176 sqft |
| Unfinished Basement | 1,176 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 9,235 sqft (0.212 acres) |
| Lot Dimensions | 100 ft deep x 92.5 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 70 sqft |
| Patio Area | 136 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 401 KING ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 DUPLEX |
| Legal Description | LOT 6 & S 32.5 FT OF LOT 5 BLK 4 WASHINGTON BULLARDS ADD TO W BC SPLIT FOR 89 |
| Legal Subdivision | WASHINGTON BULLARDS ADD |
| Legal Block | 4 |
| Legal Lot Number | 5-6 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 286600 |
401 King St is owned and occupied by an individual who acquired it in February 2017.
Source: Bay County records, as of August 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 401 KING ST, BAY CITY, MI 48706-3722 |
| 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 |
|---|---|
| Jan 5, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SUNRISE FAM CU |
| May 30, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Feb 23, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2002 |
| Deed Sale | Aug 21, 2002 |
| Deed Book / Page | 2170 / 619 |
| Last Transfer Date | Feb 6, 2017 |
| Transfer Doc | 0032010221 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 401 KING ST, BAY CITY, MI 48706-3722 |
| Document Number | 0000000762 |
| Instrument Date | Jan 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2018 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 401 KING ST BAY CITY MI 487063722, BAY CITY, MI 48706-3722 |
| Document Number | 0000000762 |
|---|---|
| Date | Jan 19, 2018 |
| Instrument | 762 |
| Name | SUNRISE FAM CU |
|---|---|
| Type | Credit Union |
| Address | BAY CITY, MI 48706 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 18, 2033 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | May 30, 2017 |
| Property Address | 401 KING ST, BAY CITY, MI 48706-3722 |
| Document Number | 0032190484 |
| Book / Page | 003219 / 000484 |
| Instrument Date | May 30, 2017 |
| Instrument | 13324 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 913 N LINCOLN ST BAY CITY MI 487086156, BAY CITY, MI 48708-6156 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Feb 23, 2017 |
| Property Address | 401 KING ST, BAY CITY, MI 48706-3722 |
| Document Number | 0032010221 |
| Book / Page | 3201 / 221 |
| Instrument Date | Feb 6, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 KING ST BAY CITY MI 487063722, BAY CITY, MI 48706-3722 |
The 2026 property tax bill for 401 King St was $2,243 with a homeowner's exemption, up 21.4% from the year before.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| Municipality | Bay City |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,243.00 (+21.44%) Homeowner's exemption | $73,800 (+5.73%) | $147,600 (+5.73%) |
| 2025 | $1,847.00 Homeowner's exemption | $69,800 | $139,600 |
| 2023 | $52,950 | $105,900 | |
| 2022 | $1,960.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 King St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
The area around 401 King St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 547 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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