Bay County property record for 504 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 768 sqft · built 1948 |
| Lot Size | 0.219 acres (9,540 sqft) |
| Owner | Individual Name on File |
| Last Sale | $65,000 (Jul 2020) |
| Tax Bill | $1,566 (2026) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage Oct 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-179-002-00 |
| Primary APN | 160-016-179-002-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 768 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Lot Area | 9,540 sqft (0.219 acres) |
| Lot Dimensions | 191 ft deep x 100 ft wide |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 20 sqft |
| Patio Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 504 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | LOTS 2 & 11 BLK 1 MILLER PARK ADD EXC S 10 FT THRF (SPLIT FOR 1993) (CLARIFIED DESCR FOR 2019) |
| Legal Subdivision | MILLER PARK ADD |
| Legal Block | 1 |
| Legal Lot Number | 2,11 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 281300 |
504 E Smith St is owned and occupied by an individual who bought it in July 2020.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 504 E SMITH ST, BAY CITY, MI 48706-3805 |
| 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.
| Date | Document |
|---|---|
| Jul 14, 2020 | Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP |
| Oct 14, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 14, 2020 · Amount on File |
| Deed Sale | Jul 14, 2020 · Amount on File |
| Prior Sale | May 23, 2000 |
| Deed Document Number | 20209368 |
| Prior Transfer Date | Oct 14, 2019 |
| Prior Transfer Doc | 0000014066 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Jul 14, 2020 |
| Property Address | 504 W SMITH ST, BAY CITY, MI 48706-3683 |
| Document Number | 0000009368 |
| Instrument Date | Jul 1, 2020 |
| Instrument | 202009368 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2022 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $559.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 504 E SMITH ST, 504, BAY CITY, MI 48706-3805 |
| Name | Verified Name |
|---|---|
| Address | 2776 N 9 MILE RD, SANFORD, MI 48657-9660 |
| Document Number | 0000009369 |
|---|---|
| Date | Jul 14, 2020 |
| Instrument | 202009369 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Oct 14, 2019 |
| Property Address | 504 W SMITH ST, BAY CITY, MI 48706-3683 |
| Document Number | 0000014066 |
| Instrument Date | Oct 14, 2019 |
| Instrument | 14066 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 1305 N DEWITT ST BAY CITY MI 487063540, BAY CITY, MI 48706-3540 |
The 2026 property tax bill for 504 E Smith St was $1,566 with a homeowner's exemption, up 21.4% from the year before.
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| Municipality | Bay City |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,566.00 (+21.4%) Homeowner's exemption | $44,000 (+2.44%) | $88,000 (+2.44%) |
| 2025 | $1,290.00 Homeowner's exemption | $42,950 | $85,900 |
| 2023 | $33,300 | $66,600 | |
| 2022 | $1,368.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 504 E Smith St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 Claims | 2 (1979–1983) |
| Most Recent Claim | Mar 1983 · rainfall accumulation |
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 504 E Smith St 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 572 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures