Bay County property record for 4109 Dover Ln, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,929 sqft · built 1990 |
| Lot Size | 0.324 acres (14,113 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $17,500 (Nov 1989) |
| Tax Bill | $4,494 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-N12-000-117-00 |
| Primary APN | 010-N12-000-117-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,929 sqft Living Area |
| 1st Floor Area | 1,929 sqft |
| Basement Area | 1,929 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Lot Area | 14,113 sqft (0.324 acres) |
| Lot Dimensions | 115 ft deep x 90.4 ft wide |
| Garage Area | 806 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4109 DOVER LN |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-2307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 117. NORTHGATE SUB NO. 3 |
| Legal Subdivision | NORTHGATE SUB |
| Legal Lot Number | 117 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 285800 |
4109 Dover Ln is owned and occupied by two individuals who acquired it in January 2025.
Source: Bay County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4109 DOVER LN, BAY CITY, MI 48706-2307 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 1989 · Amount on File |
| Deed Sale | Nov 21, 1989 · Amount on File |
| Deed Book / Page | 1127 / 481 |
| Last Transfer Date | Jan 24, 2025 |
| Transfer Doc | 0000000772 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 4109 Dover Ln was $4,494 with a homeowner's exemption.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Bangor Charter Township |
| Unified School District | Bangor Township Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,494.00 Homeowner's exemption | $167,100 | $334,200 |
| 2023 | $130,550 | $261,100 | |
| 2022 | $3,675.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4109 Dover Ln in Zone X, an area of minimal flood risk.
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.
The area around 4109 Dover Ln 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 | 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 |
| 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.
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 |
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