Bay County property record for 404 E Murphy St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,096 sqft · built 1958 |
| Lot Size | 0.171 acres (7,449 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $40,000 (Dec 2014) |
| Tax Bill | $1,694 (2026) |
| Deeds & Mortgages | Mar 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-177-004-00 |
| Primary APN | 160-016-177-004-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,096 sqft Living Area |
| 1st Floor Area | 1,096 sqft |
| Basement Area | 1,096 sqft |
| Unfinished Basement | 1,096 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 7,449 sqft (0.171 acres) |
| Lot Dimensions | 131 ft deep x 57 ft wide |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 176 sqft |
| Patio Area | 624 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 404 E MURPHY ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3978 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | COM 149.75 FT WLY OF SW COR MURPHY & JOSEPH STS TH WLY 57 FT TH SLY 131.25 FT TH ELY 57 FT TH NLY 131.25 FT TO BEG SEC 16 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 281300 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 404 E MURPHY ST, BAY CITY, MI 48706-3978 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2014 · Amount on Record |
| Deed Sale | Dec 30, 2014 · Amount on Record |
| Deed Book / Page | 3068 / 513 |
| Last Transfer Date | Feb 22, 2018 |
| Transfer Doc | 0000002530 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Mar 2, 2018 |
| Property Address | 404 E MURPHY ST, BAY CITY, MI 48706-3978 |
| Document Number | 0000002530 |
| Instrument Date | Feb 22, 2018 |
| Instrument | 2530 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2018 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 404 E MURPHY ST BAY CITY MI 487063978, BAY CITY, MI 48706-3978 |
| Document Number | 2532 |
|---|---|
| Date | Mar 2, 2018 |
| Instrument | 2532 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48604 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 1, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Number | 2531, |
|---|---|
| Date | Mar 2, 2018 |
| Instrument | 2531 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48605-3285 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Mar 1, 2038 |
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 | $1,694.00 (+21.43%) Homeowner's exemption | $56,800 (+7.78%) | $113,600 (+7.78%) |
| 2025 | $1,395.00 (-5.81%) Homeowner's exemption | $52,700 (+28.54%) | $105,400 (+28.54%) |
| 2023 | $41,000 | $82,000 | |
| 2022 | $1,481.00 |
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 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.
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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