Bay County property record for 446 River Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,080 sqft · built 1959 |
| Lot Size | 0.122 acres (5,314 sqft) |
| Owner | Individual Name on File |
| Last Sale | $34,500 (Sep 1989) |
| Tax Bill | $270 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-L10-000-753-00 |
| Primary APN | 010-L10-000-753-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch |
| Lot Area | 5,314 sqft (0.122 acres) |
| Lot Dimensions | 90.5 ft deep x 69 ft wide |
| Garage Area | 294 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 446 RIVER RD |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-1448 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | COM AT SW COR OF LOT 753 TH N 0D 20M E 94.09 FT TH N 75D 57M E 34.16 FT TH N 85D 20M E 14.32 FT TH S 12D 18M E 87.86 FT TO A |
| Legal Subdivision | LAGOON BEACH 1ST ADD |
| Legal Lot Number | 752-753 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 286000 |
446 River Rd is owned and occupied by an individual who acquired it in June 2024.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 446 RIVER RD, BAY CITY, MI 48706-1448 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Sep 8, 1989 · Amount on File |
| Deed Sale | Sep 8, 1989 · Amount on File |
| Deed Book / Page | 1120 / 267 |
| Last Transfer Date | Jun 20, 2024 |
| Transfer Doc | 0000007406 |
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 446 River Rd was $270 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 | $270.00 Homeowner's exemption | $48,950 | $97,900 |
| 2022 | $214.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 446 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
The area around 446 River Rd 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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures