Bay County property record for 521 Harrison St, Bay City, MI 48708
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,365 sqft · built 1870 |
| Lot Size | 0.126 acres (5,489 sqft) |
| Owner | Individual Name on File |
| Last Sale | $35,000 (Apr 1994) |
| Tax Bill | $2,495 (2026) |
| Deeds & Mortgages | Mar 2017 Mortgage Aug 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-032-485-005-00 |
| Primary APN | 160-032-485-005-00 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 3,365 sqft Living Area |
| 1st Floor Area | 1,767 sqft |
| Basement Area | 1,767 sqft |
| Unfinished Basement | 1,767 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 5,489 sqft (0.126 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Garage Area | 880 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 75 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 521 HARRISON ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48708-8237 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 DUPLEX |
| Legal Description | LOT 6 BLK 7 TROMBLES DIV OF PORTSMOUTH & W 1/2 VAC ALLEY ADJ THRT |
| Legal Subdivision | TROMBLES DIV |
| Legal Block | 7 |
| Legal Lot Number | 6 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 280900 |
521 Harrison St is owned by an individual who acquired it in May 2013.
Source: Bay County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3207 E FISHER RD, BAY CITY, MI 48706-3115 |
| 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 |
|---|---|
| Mar 21, 2017 | Deed of Trust, Mortgage · Commercial Mortgage WOLVERINE BANK FSB |
| Aug 20, 2018 | Deed of Trust, Mortgage · Line of Credit ISABELLA BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 18, 1994 · Amount on File |
| Deed Sale | Apr 18, 1994 · Amount on File |
| Deed Book / Page | 1321 / 77 |
| Last Transfer Date | May 13, 2013 |
| Transfer Doc | 0029630143 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 521 HARRISON ST, BAY CITY, MI 48708-8237 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0032050625 |
|---|---|
| Date | Mar 21, 2017 |
| Book Page | 3205/625 |
| Name | WOLVERINE BANK FSB |
|---|---|
| Type | Bank |
| Address | MIDLAND, MI 48640 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 521 HARRISON ST, BAY CITY, MI 48708-8237 |
| Document Number | 0000011764 |
| Instrument Date | Aug 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 3207 E FISHER RD BAY CITY MI 487063115, BAY CITY, MI 48706-3115 |
| Document Number | 0000011764 |
|---|---|
| Date | Aug 27, 2018 |
| Instrument | 11764 |
| Name | ISABELLA BK |
|---|---|
| Type | Bank |
| Address | MIDLAND, MI 48640 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 521 Harrison St was $2,495, up 26.3% 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 | $2,495.00 (+26.33%) | $69,700 (+7.64%) | $139,400 (+7.64%) |
| 2025 | $1,975.00 | $64,750 | $129,500 |
| 2023 | $50,350 | $100,700 | |
| 2022 | $1,920.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 521 Harrison St 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 |
| Nearby Flood Claims | 1 (1986) |
| Most Recent Claim | Sep 1986 · Severe Storms & Flooding |
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 521 Harrison 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 165 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 | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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