Bay County property record for 4646 Fraser Rd, Bay City, MI 48706
| Property Type | Commercial |
|---|---|
| Details | 31,296 sqft · built 2004 |
| Lot Size | 3.77 acres (164,221 sqft) |
| Owner | Company Name on File |
| Tax Bill | $9,175 (2026) |
| Deeds & Mortgages | Jan 2023 Line of Credit Feb 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 100-020-200-040-07 |
| Primary APN | 100-020-200-040-07 |
|---|
| Units | 2 Units |
|---|---|
| Stories | 1 Story |
| Building Area | 31,296 sqft Total Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Lot Area | 164,221 sqft (3.77 acres) |
| Lot Dimensions | 848 ft deep x 384 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4646 FRASER RD |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-9495 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | I-1 |
| Legal Description | BEG ON E SEC LN N 767.44 FT FROM E 1/4 COR SEC 20, TH CONT N 442.16 FT, TH ALG S'LY LN GTWRR S89?23'35"W 993.31 FT, TH |
| Jurisdiction | BAY MI |
| Township / Civil Division | MONITOR |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 285700 |
4646 Fraser Rd, a commercial property, is owned by a company that acquired it in February 2023.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 5024 GARFIELD RD, AUBURN, MI 48611-8510 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 5, 2023 | Deed of Trust, Mortgage · Line of Credit MERCANTILE BANK |
| Feb 9, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 9, 2023 |
| Transfer Doc | 0000001457 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 4646 FRASER RD, BAY CITY, MI 48706-9495 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000171 |
|---|---|
| Date | Jan 5, 2023 |
| Instrument | 202300171 |
| Name | MERCANTILE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Feb 9, 2023 |
| Property Address | 4646 FRASER RD, BAY CITY, MI 48706-9495 |
| Document Number | 0000001457 |
| Instrument Date | Jan 26, 2023 |
| Instrument | 202301457 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4339 ROUND LAKE RD, GLADWIN, MI 48624-9211 |
| Name | Verified Name |
|---|---|
| Address | 325 COMMERCE CT, GLADWIN, MI 48624-1225 |
The 2026 property tax bill for 4646 Fraser Rd was $9,175.
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 | $9,175.00 | $285,400 | $570,800 |
| 2023 | $259,100 (+8.82%) | $518,200 (+8.82%) | |
| 2022 | $238,100 | $476,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4646 Fraser Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.
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.
Wildfire risk around 4646 Fraser 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 97% of the US · lower than 93% 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 | BANGOR-MONITOR METRO DISTRICT serves 2,971 people · EPA ID MI0000400 |
|---|---|
| Water Source | Purchased surface water from BAY AREA WATER SYSTEM |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2023) 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 168 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 |
| AT&T Fixed Wireless · DSL in parts of the area | 100 / 20 |
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