Bay County property record for 4120 Dover Ln, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,805 sqft · built 1980 |
| Lot Size | 0.433 acres (18,861 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $225,000 (Oct 2019) |
| Tax Bill | $4,738 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage Oct 2019 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-N12-000-119-00 |
| Primary APN | 010-N12-000-119-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,805 sqft Living Area |
| 1st Floor Area | 1,805 sqft |
| Basement Area | 1,805 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Lot Area | 18,861 sqft (0.433 acres) |
| Lot Dimensions | 132 ft deep x 54.4 ft wide |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4120 DOVER LN |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-2308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 119. NORTHGATE SUB NO. 3 AS RECORDED IN LIBER 9 OF PLATS PAGES 59 & 60 OF BAY COUNTY RECORDS. |
| Legal Subdivision | NORTHGATE SUB |
| Legal Lot Number | 119 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 285800 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 4120 DOVER LN, BAY CITY, MI 48706-2308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 8, 2020 | Deed of Trust, Mortgage FRANKENMUTH CU |
| Oct 11, 2019 | Warranty Deed, Transfer · Conventional Mortgage FRANKENMUTH CU |
| Oct 11, 2019 | Quit Claim Deed, Transfer TRI-COUNTY TITLE SERVICES LLC, TRI-COUNTY TITLE SVCS LLC |
| Feb 23, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Feb 13, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 11, 2019 · Amount on Record |
| Deed Sale | Oct 11, 2019 · Amount on Record |
| Prior Sale | Jul 12, 1995 |
| Deed Document Number | 201913959 |
| Prior Transfer Date | Oct 8, 2019 |
| Prior Transfer Doc | 201913961 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 4120 DOVER LN, BAY CITY, MI 48706-2308 |
| Document Number | 0000014643 |
| Instrument Date | Oct 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4120 DOVER LN BAY CITY MI 487062308, BAY CITY, MI 48706-2308 |
| Document Number | 0000014643 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 14643 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Address | FRANKENMUTH, MI 48734 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 14, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 11, 2019 |
| Property Address | 4120 DOVER LN, BAY CITY, MI 48706-2308 |
| Document Number | 0000013959 |
| Instrument Date | Oct 8, 2019 |
| Instrument | 13959 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,935.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3875 UTAH DR BAY CITY MI 487061708, BAY CITY, MI 48706-1708 |
| Document Number | 13960 |
|---|---|
| Date | Oct 11, 2019 |
| Instrument | 13960 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Address | FRANKENMUTH, MI 48734 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 10, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 11, 2019 |
| Property Address | 4120 DOVER LN, BAY CITY, MI 48706-2308 |
| Document Number | 0000013961 |
| Instrument Date | Oct 8, 2019 |
| Instrument | 13961 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2020 |
| Title Company | TRI-COUNTY TITLE SERVICES LLC, TRI-COUNTY TITLE SVCS LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4120 DOVER LN BAY CITY MI 487062308, BAY CITY, MI 48706-2308 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Feb 23, 2018 |
| Property Address | 4120 DOVER LN, BAY CITY, MI 48706-2308 |
| Document Number | 0000002120 |
| Instrument Date | Feb 8, 2018 |
| Instrument | 2120 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 4120 DOVER LN BAY CITY MI 487062308, BAY CITY, MI 48706-2308 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Feb 13, 2018 |
| Property Address | 4120 DOVER LN, BAY CITY, MI 48706-2308 |
| Document Number | 0000001750 |
| Instrument Date | Feb 6, 2018 |
| Instrument | 1750 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4120 DOVER LN BAY CITY MI 487062308, BAY CITY, MI 48706-2308 |
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 | $4,738.00 (+70.86%) Homeowner's exemption | $174,750 (+8.57%) | $349,500 (+8.57%) |
| 2025 | $2,773.00 (-30.45%) Homeowner's exemption | $160,950 (+22.72%) | $321,900 (+22.72%) |
| 2023 | $131,150 | $262,300 | |
| 2022 | $3,987.00 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 83% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 73 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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