5411 Michael Rd, Bay City, MI 48706 Property Records

Bay County property record for 5411 Michael Rd, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,244 sqft · built 1968
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (May 1994)
Tax Bill	$2,824 (2026)
Deeds & Mortgages	Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`100-R10-000-015-00`

Property Details

APN / Parcel Number

Primary APN	`100-R10-000-015-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,244 sqft Living Area
1st Floor Area	1,180 sqft
Basement Area	1,180 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Traditional
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Area	482 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	5411 MICHAEL RD
City	BAY CITY
State	MI
Zip	48706-3003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 15 REINHARDTS ORCHARD ESTATES SUB., L9/P1 BCR
Legal Subdivision	REINHARDTS ORCHARD ESTATES
Legal Lot Number	15
Jurisdiction	BAY MI
Township / Civil Division	MONITOR
Census Block Group	3
Census Block	3010
Census Tract	285500

Owner

Source: Bay County records, as of May 18, 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	5411 MICHAEL RD, BAY CITY, MI 48706-3003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 1994 · Amount on Record
Deed Sale	May 19, 1994 · Amount on Record
Deed Book / Page	1322 / 744
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	5411 MICHAEL RD, BAY CITY, MI 48706-3003
Transaction Type	Mortgage
Record Updated	Oct 17, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5411 MICHAEL RD, BAY CITY, MI 48706-3003

Mortgage

Document Number	0000007752
Date	Jul 7, 2023
Instrument	202307752

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2038

Tax Assessment & Valuation

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Monitor Charter Township
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,824.00 Homeowner's exemption	$119,500 (+20.71%)	$239,000 (+20.71%)
2023		$99,000	$198,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	2 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2012 · 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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 236 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 DSL	100 / 20