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406 King St, Bay City, MI 48706 Property Records

Bay County property record for 406 King St, Bay City, MI 48706

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,250 sqft · built 1890
Lot Size0.138 acres (6,011 sqft)
OwnerIndividual Name on File
Last Sale$27,000 (Nov 2021)
Tax Bill$2,048 (2026)
Deeds & MortgagesNov 2021 Sale
Nov 2021 Transfer
Flood ZoneZone X (minimal risk)
APN160-017-485-004-00

Property Details

APN / Parcel Number

Primary APN160-017-485-004-00
Alternative APN
  • 0913001748500400

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,250 sqft Living Area
1st Floor Area1,072 sqft
Basement Area1,072 sqft
Unfinished Basement1,072 sqft

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1980
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Lot Area6,011 sqft (0.138 acres)
Lot Dimensions100 ft deep x 60 ft wide
PorchPorch
Porch Area45 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
SewerMunicipal

Location & Zoning

Street Address406 KING ST
CityBAY CITY
StateMI
Zip48706-3723
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-2 DUPLEX
Legal DescriptionLOT 10 BLK 1 KINGSBURGH ADD
Legal SubdivisionKINGSBURGH ADD
Legal Block1
Legal Lot Number10
JurisdictionBAY MI
Township / Civil DivisionBAY CITY
Census Block Group2
Census Block2006
Census Tract286600

Owner

406 King St is owned and occupied by an individual who bought it in November 2021.

Source: Bay County records, as of August 3, 2026

Owner of RecordIndividual Name on File
Mailing Address406 KING ST, BAY CITY, MI 48706-3723
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Nov 4, 2021Warranty Deed, Transfer
Nov 4, 2021Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 4, 2021 · Amount on File
Deed SaleNov 4, 2021 · Amount on File
Prior SaleAug 1, 2016 · Amount on File
Deed Document Number202118738
Prior Transfer DateSep 3, 2021
Prior Transfer Doc0000018737
Record UpdatedOct 29, 2026

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY MI
Recording DateNov 4, 2021
Property Address406 KING ST, BAY CITY, MI 48706-3723
Document Number0000018738
Instrument DateNov 4, 2021
Instrument202118738
Transaction TypeTransfer
Record UpdatedMay 18, 2026

Transaction

AmountAmount on Record
Tax$202.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4736 FRASER RD, BAY CITY, MI 48706-9423

Transferred To (Grantee/Buyer)

NameVerified Name
Address406 KING ST, BAY CITY, MI 48706-3723

November 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBAY MI
Recording DateNov 4, 2021
Property Address406 KING ST, BAY CITY, MI 48706-3723
Document Number0000018737
Instrument DateSep 3, 2021
Instrument202118737
Transaction TypeTransfer
Record UpdatedMay 18, 2026

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address406 KING ST, BAY CITY, MI 48706-3723

Transferred To (Grantee/Buyer)

NameVerified Name
Address4736 FRASER RD, BAY CITY, MI 48706-9423

Tax Assessment & Valuation

The 2026 property tax bill for 406 King St was $2,048, up 14.5% from the year before.

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyBay County
MunicipalityBay City
Unified School DistrictBay City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,048.00 (+14.54%)$44,100 (+7.04%)$88,200 (+7.04%)
2025$1,788.00$41,200$82,400
2023$31,100$62,200
2022$2,172.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 406 King St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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.

Wildfire

The area around 406 King St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCITY OF BAY CITY
serves 32,255 people · EPA ID MI0000470
Water SourcePurchased surface water from BAY AREA WATER SYSTEM
Last State InspectionNov 2025
Lead8 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jan 2024
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 547 locations within half a mile, as of December 31, 2025

ProviderMax 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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