Bay County property record for 497 Ott Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,006 sqft · built 1890 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $80,000 (Jul 2026) |
| Tax Bill | $2,532 (2026) |
| Deeds & Mortgages | Jul 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 100-007-200-090-00 |
| Primary APN | 100-007-200-090-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,006 sqft Living Area |
| 1st Floor Area | 1,146 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Ranch |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 175 ft deep x 250 ft wide |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 497 OTT RD |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-9101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | COM AT SE COR OF SE 1/4 OF NE 1/4 TH W 250 FT TH N 175 FT TH E 250 FT TH S 175 FT TO BEG SEC 7 T14N R4E 9-13-76 |
| Legal Range | 04E |
| Legal Township | 14N |
| Legal Section | 07 |
| Jurisdiction | BAY MI |
| Township / Civil Division | MONITOR |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 285700 |
Source: Bay County records, as of August 13, 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 | 497 OTT RD, BAY CITY, MI 48706-9101 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 29, 2026 · Amount on Record |
| Deed Sale | Jul 29, 2026 · Amount on Record |
| Prior Sale | Oct 6, 1997 · Amount on Record |
| Deed Document Number | 20269945 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jul 29, 2026 |
| Property Address | 497 OTT RD, BAY CITY, MI 48706-9101 |
| Document Number | 0000009945 |
| Instrument Date | Jul 27, 2026 |
| Instrument | 20269945 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $60,600.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 497 OTT RD, BAY CITY, MI 48706-9101 |
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 | $2,532.00 | $69,500 (+56.53%) | $139,000 (+56.53%) |
| 2023 | $44,400 | $88,800 |
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 99.1% of the US · lower than 98.4% 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 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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