4091 Dover Ln, Bay City, MI 48706 Property Records

Bay County property record for 4091 Dover Ln, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,362 sqft · built 1984
Lot Size	0.272 acres (11,848 sqft)
Owner	2 Individual Names on Record
Last Sale	$137,000 (Jan 1998)
Tax Bill	$3,161 (2026)
Deeds & Mortgages	May 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`010-N12-000-114-00`

Property Details

APN / Parcel Number

Primary APN	`010-N12-000-114-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,362 sqft Living Area
1st Floor Area	1,362 sqft
Basement Area	1,362 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Lot Area	11,848 sqft (0.272 acres)
Lot Dimensions	124 ft deep x 95 ft wide
Garage Area	654 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4091 DOVER LN
City	BAY CITY
State	MI
Zip	48706-2305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 114. NORTHGATE SUB NO. 3
Legal Subdivision	NORTHGATE SUB
Legal Lot Number	114
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	5
Census Block	5000
Census Tract	285800

Owner

Source: Bay County records, as of May 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4091 DOVER LN, BAY CITY, MI 48706-2305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 1998 · Amount on Record
Deed Sale	Jan 30, 1998 · Amount on Record
Prior Sale	Jun 8, 1984 · Amount on Record
Deed Book / Page	1503 / 198
Last Transfer Date	May 2, 2023
Transfer Doc	0000005384
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY MI
Recording Date	May 3, 2023
Property Address	4091 DOVER LN, BAY CITY, MI 48706-2305
Document Number	0000005384
Map Reference	LB 9 PG 59-60
Instrument Date	May 2, 2023
Instrument	202305384
Transaction Type	Transfer
Record Updated	Jul 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4091 DOVER LN, BAY CITY, MI 48706-2305

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Bangor Charter Township
Unified School District	Bangor Township Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,161.00 (+22.28%) Homeowner's exemption	$122,200 (+29.79%)	$244,400 (+29.79%)
2023		$94,150 (+13.23%)	$188,300 (+13.23%)
2022	$2,585.00 Homeowner's exemption	$83,150	$166,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 17, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

Drinking Water

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

Water System	BANGOR TOWNSHIP serves 11,999 people · EPA ID MI0000390
Water Source	Purchased surface water from BAY AREA WATER SYSTEM
Last State Inspection	Nov 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20