Bay County property record for 403 E Murphy St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,570 sqft · built 1996 |
| Lot Size | 0.287 acres (12,502 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Oct 1996) |
| Tax Bill | $3,529 (2026) |
| Deeds & Mortgages | Sep 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-126-032-00 |
| Primary APN | 160-016-126-032-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,570 sqft Living Area |
| 1st Floor Area | 1,570 sqft |
| Basement Area | 1,570 sqft |
| Unfinished Basement | 1,570 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 12,502 sqft (0.287 acres) |
| Lot Dimensions | 164 ft deep x 76.9 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 99 sqft |
| Patio Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 403 E MURPHY ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-5516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | A PARCEL OF LAND VIZ: COM AT THE INTER OF THE N LI SEC 16 T14N R5E WITH THE WLY ROW LI OF JOSEPH ST IF EXT TH S 11D32M51S E |
| Legal Range | 05E |
| Legal Township | 14N |
| Legal Section | 16 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 281300 |
403 E Murphy St is owned and occupied by an individual who bought it in October 1996.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 403 E MURPHY ST, BAY CITY, MI 48706-5516 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 1996 · Amount on File |
| Deed Sale | Oct 4, 1996 · Amount on File |
| Deed Book / Page | 1427 / 968 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 403 E MURPHY ST, BAY CITY, MI 48706-5516 |
| Document Number | 0000013959 |
| Instrument Date | Sep 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 403 E MURPHY ST BAY CITY MI 487065516, BAY CITY, MI 48706-5516 |
| Document Number | 0000013959 |
|---|---|
| Date | Oct 5, 2020 |
| Instrument | 13959 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | BAY CITY, MI 48706 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 403 E Murphy St was $3,529 with a homeowner's exemption.
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 | $3,529.00 Homeowner's exemption | $111,150 | $222,300 |
| 2023 | $80,150 | $160,300 | |
| 2022 | $3,084.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 E Murphy St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 Claims | 2 (1979–1983) |
| Most Recent Claim | Mar 1983 · rainfall accumulation |
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 403 E Murphy St 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 99.1% of the US · lower than 98.4% 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 572 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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