Bay County property record for 410 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,210 sqft · built 1930 |
| Lot Size | 0.238 acres (10,367 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $18,000 (Apr 2014) |
| Tax Bill | $1,733 (2026) |
| Deeds & Mortgages | May 2024 Transfer Mar 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-155-011-00 |
| Primary APN | 160-016-155-011-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,210 sqft Living Area |
| 1st Floor Area | 1,018 sqft |
| Basement Area | 96 sqft |
| Unfinished Basement | 1,018 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 10,367 sqft (0.238 acres) |
| Lot Dimensions | 115 ft deep x 90 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 40 sqft |
| Heating System | Hot Water |
|---|---|
| Sewer | Municipal |
| Street Address | 410 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 | 90 FT E & W BD N BY SMITH ST E BY SIDNEY ST & S BY A LI PAR TO & 150 FT N OF 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 |
410 E Smith St is owned and occupied by two individuals who acquired it in May 2024.
Source: Bay County records, as of August 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 410 E SMITH ST, BAY CITY, MI 48706-3879 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| May 17, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Mar 31, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2014 · Amount on File |
| Deed Sale | Apr 2, 2014 · Amount on File |
| Prior Sale | Sep 6, 2011 · Amount on File |
| Deed Book / Page | 3021 / 533 |
| Last Transfer Date | May 17, 2024 |
| Transfer Doc | 0000006198 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | May 17, 2024 |
| Property Address | 410 E SMITH ST, BAY CITY, MI 48706-3879 |
| Document Number | 0000006198 |
| Instrument Date | May 17, 2024 |
| Instrument | 202406198 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 608 KING ST, BAY CITY, MI 48706-3727 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Mar 31, 2021 |
| Property Address | 410 E SMITH ST, BAY CITY, MI 48706-3879 |
| Document Number | 0000005181 |
| Instrument Date | Mar 31, 2021 |
| Instrument | 202105181 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $17.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 E SMITH ST, BAY CITY, MI 48706-3879 |
| Name | Verified Name |
|---|---|
| Address | 608 KING ST, BAY CITY, MI 48706-3727 |
The 2026 property tax bill for 410 E Smith St was $1,733 with a homeowner's exemption.
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 | $1,733.00 Homeowner's exemption | $48,100 | $96,200 |
| 2023 | $35,900 | $71,800 | |
| 2022 | $4,324.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 410 E Smith St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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.
The area around 410 E Smith 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 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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