Bay County property record for 421 River Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,185 sqft |
| Lot Size | 0.161 acres (7,013 sqft) |
| Owner | Company Name on File |
| Last Sale | $209,000 (Nov 2025) |
| Tax Bill | $2,635 (2026) |
| Deeds & Mortgages | Nov 2025 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 010-L10-000-771-00 |
| Primary APN | 010-L10-000-771-00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,185 sqft Living Area |
| 1st Floor Area | 1,185 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Architectural Style | Ranch |
|---|---|
| Lot Area | 7,013 sqft (0.161 acres) |
| Lot Dimensions | 175 ft deep x 40 ft wide |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 421 RIVER RD |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-1426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 771 AND THAT PART OF VACATED PARK ADJ ON S. LAGOON BEACH |
| Legal Subdivision | LAGOON BEACH SUBDIVISION |
| Legal Lot Number | 771 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 286000 |
421 River Rd is owned by a company that bought it in November 2025 and is owner-occupied.
Source: Bay County records, as of May 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3140 E RIVERVIEW DR, BAY CITY, MI 48706-1321 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2025 · Amount on File |
| Deed Sale | Nov 5, 2025 · Amount on File |
| Prior Sale | Jan 8, 1996 |
| Deed Document Number | 202513917 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Nov 5, 2025 |
| Property Address | 421 RIVER RD, BAY CITY, MI 48706-1426 |
| Document Number | 0000013917 |
| Map Reference | LB 4 PG 44 |
| Instrument Date | Oct 23, 2025 |
| Instrument | 202513917 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,567.50 |
| Amount Accuracy | Redemption Amount |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1265 ELIZABETH ST APT 406, 406, DENVER, CO 80206-3244 |
| Name | Verified Name |
|---|---|
| Address | 3140 E RIVERVIEW DR, BAY CITY, MI 48706-1321 |
The 2026 property tax bill for 421 River Rd was $2,635 with a homeowner's exemption, up 85.7% from the year before.
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 | $2,635.00 (+85.69%) Homeowner's exemption | $104,300 (+14.62%) | $208,600 (+14.62%) |
| 2025 | $1,419.00 (-44.48%) Homeowner's exemption | $91,000 | $182,000 |
| 2024 | $2,556.00 | ||
| 2023 | $70,800 | $141,600 | |
| 2022 | $2,192.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 421 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 584.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 24 policies |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 52 (1980–2021) |
| Claims Outside the SFHA | 37 of 52 |
| Most Recent Claim | Sep 2021 · river or lake flooding |
| Claims by Event |
|
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.
Wildfire risk around 421 River Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 91% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 179 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL | 100 / 20 |
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