Bay County property record for 409 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,176 sqft · built 1900 |
| Lot Size | 0.547 acres (23,827 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $30,500 (Jun 1998) |
| Tax Bill | $1,634 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage May 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-154-019-00 |
| Primary APN | 160-016-154-019-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| 1st Floor Area | 792 sqft |
| Basement Area | 792 sqft |
| Unfinished Basement | 792 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 23,827 sqft (0.547 acres) |
| Lot Dimensions | 221 ft deep x 108 ft wide |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 186 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 409 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3889 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | COM 102.24 FT WLY OF NW COR SMITH & SIDNEY STS TH N 211.19 FT TH W 107 FT TH S 232.40 FT TO SMITH ST TH ELY 108.70 FT TO BEG |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3007 |
| 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 | 409 E SMITH ST, BAY CITY, MI 48706-3889 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WILDFIRE CU |
| May 5, 2017 | Loan Modification, Mortgage · Conventional Mortgage FINANCIALEDGE CMNTY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 1998 · Amount on Record |
| Deed Sale | Jun 12, 1998 · Amount on Record |
| Deed Book / Page | 1536 / 40 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 409 E SMITH ST, BAY CITY, MI 48706-3889 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 409 E SMITH ST, BAY CITY, MI 48706-3889 |
| Document Number | 0000006338 |
|---|---|
| Date | Apr 18, 2022 |
| Instrument | 202206338 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48605 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2042 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 409 E SMITH ST, BAY CITY, MI 48706-3889 |
| Document Number | 0032160181 |
| Instrument Date | May 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 409 E SMITH ST BAY CITY MI 487063889, BAY CITY, MI 48706-3889 |
| Document Number | 0032160181 |
|---|---|
| Date | May 10, 2017 |
| Book Page | 003216/000181 |
| Name | FINANCIALEDGE CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | BAY CITY, MI 48706 |
| Type | Conventional Mortgage |
|---|---|
| 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 | $1,634.00 (+14.43%) Homeowner's exemption | $63,800 (+36.91%) | $127,600 (+36.91%) |
| 2023 | $46,600 | $93,200 | |
| 2022 | $1,428.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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