Bay County property record for 406 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 920 sqft · built 1919 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $113,197 (Jul 2025) |
| Tax Bill | $1,793 (2026) |
| Deeds & Mortgages | Jul 2025 Sale & Mortgage Jun 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-155-009-00 |
| Primary APN | 160-016-155-009-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 920 sqft Living Area |
| 1st Floor Area | 920 sqft |
| Basement Area | 920 sqft |
| Unfinished Basement | 920 sqft |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1919 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 235 ft deep x 50 ft wide |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 84 sqft |
| Patio Area | 880 sqft |
| Heating System | Hot Water |
|---|---|
| Sewer | Municipal |
| Street Address | 406 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3879 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | 50 FT E & W BD N BY SMITH ST & E BY A LI PAR TO & 150 FT W OF SIDNEY ST & S BY E & W 1/4 LI SEC 16 T14NR5E |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3015 |
| 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 | 406 E SMITH ST, BAY CITY, MI 48706-3879 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Jul 7, 2025 | Warranty Deed, Transfer · Conventional Mortgage TOP FLITE FINANCIAL INC |
| Jun 16, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Aug 19, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 7, 2025 · Amount on Record |
| Deed Sale | Jul 7, 2025 · Amount on Record |
| Prior Sale | Aug 19, 2020 · Amount on Record |
| Deed Document Number | 20258400 |
| Prior Transfer Date | Sep 16, 2020 |
| Prior Transfer Doc | 0000010664 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jul 7, 2025 |
| Property Address | 406 E SMITH ST, BAY CITY, MI 48706-3879 |
| Document Number | 0000008400 |
| Instrument Date | Jul 1, 2025 |
| Instrument | 202508400 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $851.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 33470 LYNDON ST STE 400, 400, LIVONIA, MI 48154-5424 |
| Name | Verified Name |
|---|---|
| Address | 5875 WEISS ST APT A11, A11, SAGINAW, MI 48603-2729 |
| Investor | Possibly a Property Investor |
| Document Number | 0000008401 |
|---|---|
| Date | Jul 7, 2025 |
| Instrument | 202508401 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jun 16, 2021 |
| Property Address | 406 E SMITH ST, BAY CITY, MI 48706-3879 |
| Document Number | 0000010664 |
| Instrument Date | Sep 16, 2020 |
| Instrument | 202110664 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 33470 LYNDON ST STE 400, 400, LIVONIA, MI 48154-5424 |
| Name | Verified Name |
|---|---|
| Address | 33470 LYNDON ST STE 400, 400, LIVONIA, MI 48154-5424 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 19, 2020 |
| Property Address | 406 W SMITH ST, BAY CITY, MI 48706-3600 |
| Document Number | 0000011425 |
| Instrument Date | Aug 11, 2020 |
| Instrument | 11425 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $387.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 33470 LYNDON ST #400 LIVONIA MI 481545424, 400, LIVONIA, MI 48154-5424 |
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 | $1,793.00 (+14.2%) Homeowner's exemption | $39,700 (+45.16%) | $79,400 (+45.16%) |
| 2023 | $27,350 | $54,700 | |
| 2022 | $1,570.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 | 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 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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