Bay County property record for 405 State St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,256 sqft · built 1920 |
| Lot Size | 0.138 acres (6,011 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $79,900 (Nov 2007) |
| Tax Bill | $1,123 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-017-485-011-00 |
| Primary APN | 160-017-485-011-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| 1st Floor Area | 980 sqft |
| Basement Area | 932 sqft |
| Unfinished Basement | 980 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 6,011 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Porch | Porch |
| Porch Area | 32 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 405 STATE ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3762 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 DUPLEX |
| Legal Description | LOT 4 BLK 1 KINGSBURGH ADD |
| Legal Subdivision | KINGSBURGH ADD |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 286600 |
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 | 405 STATE ST, BAY CITY, MI 48706-3762 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 6, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Apr 27, 2022 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Apr 6, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2007 · Amount on Record |
| Deed Sale | Nov 1, 2007 · Amount on Record |
| Prior Sale | Apr 19, 2001 · Amount on Record |
| Deed Book / Page | 2571 / 242 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 405 STATE ST, BAY CITY, MI 48706-3762 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000005430 |
|---|---|
| Date | Apr 6, 2021 |
| Instrument | 202105430 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 267 Months |
| Due | Jul 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 405 STATE ST, BAY CITY, MI 48706-3762 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 405 STATE ST, BAY CITY, MI 48706-3762 |
| Document Number | 0000006802 |
|---|---|
| Date | Apr 27, 2022 |
| Instrument | 202206802 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 255 Months |
| Due | Jul 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 405 STATE ST, BAY CITY, MI 48706-3762 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 202105430 |
|---|---|
| Date | Apr 6, 2021 |
| Instrument | 202105430 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 267 Months |
| Due | Jul 1, 2043 |
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 | $1,123.00 (+14.36%) Homeowner's exemption | $43,400 (+41.14%) | $86,800 (+41.14%) |
| 2023 | $30,750 | $61,500 | |
| 2022 | $982.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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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