Bay County property record for 408 E John St, Bay City, MI 48706
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 1,216 sqft · built 1960 |
| Lot Size | 0.195 acres (8,494 sqft) |
| Owner | Company Name on File |
| Last Sale | $460,000 (Dec 2021) |
| Tax Bill | $4,906 (2026) |
| Deeds & Mortgages | Dec 2021 Sale Jun 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-020-407-004-00 |
| Primary APN | 160-020-407-004-00 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,216 sqft Total Area |
| 1st Floor Area | 1,216 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Lot Area | 8,494 sqft (0.195 acres) |
| Lot Dimensions | 35 ft deep x 50 ft wide |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 408 E JOHN ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-4607 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | C-2A GENL |
| Legal Description | E 35 FT OF LOT 16 BLK 12 LAKE CITY |
| Legal Subdivision | LAKE CITY |
| Legal Block | 12 |
| Legal Lot Number | 16 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 286600 |
408 E John St, a commercial property, is owned by a company that bought it in December 2021.
Source: Bay County records, as of August 3, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 408 E JOHN ST, BAY CITY, MI 48706-4607 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 2, 2021 | Warranty Deed, Transfer LIBERTY TITLE |
| Jun 5, 2018 | Warranty Deed, Transfer SUN TITLE AGENCY/MI LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2021 · Amount on File |
| Deed Sale | Dec 2, 2021 · Amount on File |
| Prior Sale | May 8, 2012 · Amount on File |
| Deed Document Number | 202120157 |
| Prior Transfer Date | Oct 16, 2006 |
| Prior Transfer Doc | 0024890370 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Dec 2, 2021 |
| Property Address | 408 E JOHN ST, BAY CITY, MI 48706-4607 |
| Document Number | 0000020157 |
| Instrument Date | Nov 29, 2021 |
| Instrument | 202120157 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Title Company | LIBERTY TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $3,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4312 E GRAND RIVER AVE, HOWELL, MI 48843-8582 |
| Name | Verified Name |
|---|---|
| Address | 2222 W GRAND RIVER AVE # A, A, OKEMOS, MI 48864-1604 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jun 5, 2018 |
| Property Address | 408 E JOHN ST, BAY CITY, MI 48706-4607 |
| Document Number | 0000008085 |
| Instrument Date | May 30, 2018 |
| Instrument | 8085 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2018 |
| Title Company | SUN TITLE AGENCY/MI LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 414 PARKVIEW PL BURR RIDGE IL 605278357, BURR RIDGE, IL 60527-8357 |
The 2026 property tax bill for 408 E John St was $4,906, up 14.6% from the year before.
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 | $4,906.00 (+14.63%) | $65,700 (-13.32%) | $131,400 (-13.32%) |
| 2025 | $4,280.00 | $75,800 | $151,600 |
| 2023 | $91,150 | $182,300 | |
| 2022 | $5,323.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 408 E John St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1983.
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 |
| Nearby Flood Claims | 4 (1983–1986) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 1986 · Severe Storms & Flooding |
| Claims by Event |
|
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.
The area around 408 E John 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 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 278 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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