Bay County property record for 406 E Murphy St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,448 sqft · built 1958 |
| Lot Size | 0.171 acres (7,449 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (May 2026) |
| Tax Bill | $2,476 (2026) |
| Deeds & Mortgages | Feb 2023 Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-177-005-00 |
| Primary APN | 160-016-177-005-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,448 sqft Living Area |
| 1st Floor Area | 1,448 sqft |
| Basement Area | 1,096 sqft |
| Unfinished Basement | 1,448 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 7,449 sqft (0.171 acres) |
| Lot Dimensions | 131 ft deep x 57 ft wide |
| Porch | Porch |
| Porch Area | 32 sqft |
| Patio Area | 540 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 406 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 92.75 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 August 3, 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 | 865 N SCHEURMANN RD, ESSEXVILLE, MI 48732-1883 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Feb 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| May 26, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR |
| Dec 29, 2020 | Warranty Deed, Transfer · FHA Mortgage ACADEMY MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on Record |
| Deed Sale | May 26, 2026 · Amount on Record |
| Prior Sale | Dec 29, 2020 · Amount on Record |
| Deed Document Number | 20267100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 406 E MURPHY ST, BAY CITY, MI 48706-3978 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 406 E MURPHY ST, BAY CITY, MI 48706-3978 |
| Document Number | 0000001715 |
|---|---|
| Date | Feb 15, 2023 |
| Instrument | 202301715 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | May 26, 2026 |
| Property Address | 406 E MURPHY ST, BAY CITY, MI 48706-3978 |
| Document Number | 0000007100 |
| Instrument Date | May 18, 2026 |
| Instrument | 20267100 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $132,562.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000007101, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 20267101 |
| Name | MORTGAGE RESEARCH CTR |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Dec 29, 2020 |
| Property Address | 406 E MURPHY ST, BAY CITY, MI 48706-3978 |
| Document Number | 0000018736 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 18736 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $851.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1301 3RD ST AUSTIN TX 78708, AUSTIN, TX 78708 |
| Document Number | 18737 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 18737 |
| Name | ACADEMY MTG |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 28, 2050 |
| Document Number | 18738, |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 18738 |
| Name | MICHIGAN ST HSNG DEV AUTH |
|---|---|
| Address | LANSING, MI 48912 |
| Amount | Amount Recorded |
|---|
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 | $2,476.00 (+21.43%) Homeowner's exemption | $74,450 (+8.21%) | $148,900 (+8.21%) |
| 2025 | $2,039.00 (-5.78%) Homeowner's exemption | $68,800 (+29.2%) | $137,600 (+29.2%) |
| 2023 | $53,250 | $106,500 | |
| 2022 | $2,164.00 |
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 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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