Bay County property record for 604 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,040 sqft · built 1950 |
| Lot Size | 0.139 acres (6,055 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $74,700 (Sep 2020) |
| Tax Bill | $2,040 (2026) |
| Deeds & Mortgages | Nov 2025 Mortgage Sep 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-180-003-00 |
| Primary APN | 160-016-180-003-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 832 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 6,055 sqft (0.139 acres) |
| Lot Dimensions | 121 ft deep x 50 ft wide |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 21 sqft |
| Patio Area | 312 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 604 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3962 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | LOT 2 BLK 2 MILLER PARK ADD TO BC |
| Legal Subdivision | MILLER PARK ADD |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 281300 |
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 | 604 E SMITH ST, BAY CITY, MI 48706-3962 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 5, 2025 | Deed of Trust, Mortgage · Conventional Mortgage EMORTGAGE FUNDING LLC |
| Sep 29, 2020 | Warranty Deed, Transfer · Conventional with PMI GREAT LKS FCU |
| Aug 11, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2020 · Amount on Record |
| Deed Sale | Sep 29, 2020 · Amount on Record |
| Prior Sale | Oct 15, 1992 · Amount on Record |
| Deed Document Number | 202013732 |
| Prior Transfer Date | Aug 6, 2020 |
| Prior Transfer Doc | 0000011065 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 604 E SMITH ST, BAY CITY, MI 48706-3962 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|---|
| Address | 604 E SMITH ST, BAY CITY, MI 48706-3962 |
| Document Number | 0000013869 |
|---|---|
| Date | Nov 5, 2025 |
| Instrument | 202513869 |
| Name | EMORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48084 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 216 Months |
| Due | Nov 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 29, 2020 |
| Property Address | 604 E SMITH ST, BAY CITY, MI 48706-3962 |
| Document Number | 0000013732 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 13732 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $642.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2509 FITZHUGH ST BAY CITY MI 487088672, BAY CITY, MI 48708-8672 |
| Document Number | 13733 |
|---|---|
| Date | Sep 29, 2020 |
| Instrument | 13733 |
| Name | GREAT LKS FCU |
|---|---|
| Address | BAY CITY, MI 48708 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 28, 2025 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Aug 11, 2020 |
| Property Address | 604 E SMITH ST, BAY CITY, MI 48706-3962 |
| Document Number | 0000011065 |
| Instrument Date | Aug 6, 2020 |
| Instrument | 11065 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8038 FINCH LN GRAYLING MI 497388062, GRAYLING, MI 49738-8062 |
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 | $2,040.00 (+21.43%) Homeowner's exemption | $55,700 (+3.53%) | $111,400 (+3.53%) |
| 2025 | $1,680.00 (-5.78%) Homeowner's exemption | $53,800 (+27.49%) | $107,600 (+27.49%) |
| 2023 | $42,200 | $84,400 | |
| 2022 | $1,783.00 |
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 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.
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 | 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 | 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 |
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