Bay County property record for 431 Ott Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 960 sqft · built 1972 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,979 (2026) |
| Deeds & Mortgages | Nov 2023 Mortgage Mar 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 100-007-200-120-00 |
| Primary APN | 100-007-200-120-00 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 960 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Ranch |
| Lot Area | 22,651 sqft (0.52 acres) |
| Lot Dimensions | 225 ft deep x 100 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Street Address | 431 OTT RD |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-9429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | COM 580 FT E OF SW COR OF SE 1/4 OF NE 1/4 TH N 225 FT TH E 100 FT TH S 225 FT TH W 100 FT TO BEG. SEC.7,T14N,R4E |
| Jurisdiction | BAY MI |
| Township / Civil Division | MONITOR |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 285700 |
Source: Bay County records, as of June 29, 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 | 431 OTT RD, BAY CITY, MI 48706-9429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 6, 2023 | Deed of Trust, Mortgage · Commercial Mortgage THE HUNTINGTON NATIONAL BANK |
| Mar 29, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Mar 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage DITECH FIN'L |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 29, 2023 |
| Transfer Doc | 0000003200 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 431 OTT RD, BAY CITY, MI 48706-9429 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 431 OTT RD, BAY CITY, MI 48706-9429 |
| Investor | Possibly a Property Investor |
| Document Number | 0000012301 |
|---|---|
| Date | Nov 6, 2023 |
| Instrument | 202312301 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 431 OTT RD, BAY CITY, MI 48706-9429 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 431 OTT RD, BAY CITY, MI 48706-9429 |
| Investor | Possibly a Property Investor |
| Document Number | 0000003201 |
|---|---|
| Date | Mar 29, 2023 |
| Instrument | 202303201 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 431 OTT RD, BAY CITY, MI 48706-9429 |
| Document Number | 0000003626 |
| Instrument Date | Mar 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 431 OTT RD BAY CITY MI 487069429, BAY CITY, MI 48706-9429 |
| Document Number | 0000003626 |
|---|---|
| Date | Mar 29, 2019 |
| Instrument | 3626 |
| Name | DITECH FIN'L |
|---|---|
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 28, 2034 |
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Monitor Charter Township |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,979.00 Homeowner's exemption | $78,200 (+66.38%) | $156,400 (+66.38%) |
| 2023 | $47,000 | $94,000 |
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 · 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 Policies | 1 in force |
| Nearby Flood Claims | 3 (1996–2017) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jun 2017 · Severe Storms And 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 89% 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: FCC Broadband Data Collection, based on 24 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 |
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