Bay County property record for 604 Ruth St, Auburn, MI 48611
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,820 sqft · built 1978 |
| Lot Size | 0.306 acres (13,329 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $115,000 (Sep 2011) |
| Tax Bill | $4,691 (2022) |
| Deeds & Mortgages | Dec 2023 Line of Credit Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-D10-000-013-01 |
| Primary APN | 150-D10-000-013-01 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 1,820 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Lot Area | 13,329 sqft (0.306 acres) |
| Lot Dimensions | 148 ft deep x 90 ft wide |
| Garage Area | 912 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 604 RUTH ST |
|---|---|
| City | AUBURN |
| State | MI |
| Zip | 48611-9450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 120 FT OF LOT 13. DE COURCY SUB., L5/P8 BCR |
| Legal Subdivision | DECOURCY SUBDIVISION |
| Legal Lot Number | 13 |
| Jurisdiction | BAY MI |
| Township / Civil Division | AUBURN |
| Census Block Group | 5 |
| Census Block | 5010 |
| Census Tract | 285600 |
Source: Bay County records, as of May 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 604 RUTH ST, AUBURN, MI 48611-9450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 5, 2023 | Deed of Trust, Mortgage · Line of Credit WILDFIRE CU |
| Feb 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WILDFIRE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2011 · Amount on Record |
| Deed Sale | Sep 1, 2011 · Amount on Record |
| Prior Sale | Apr 11, 2011 · Amount on Record |
| Deed Book / Page | 2822 / 359 |
| Prior Transfer Date | Jan 3, 1996 |
| Prior Transfer Doc | 1389000630 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 604 RUTH ST, AUBURN, MI 48611-9450 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 604 RUTH ST, AUBURN, MI 48611-9450 |
| Document Number | 0000013278 |
|---|---|
| Date | Dec 5, 2023 |
| Instrument | 202313278 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48605 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 30, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 604 RUTH ST, AUBURN, MI 48611-9450 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202102763 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 202102763 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48605 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2041 |
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| Municipality | Auburn City |
| Unified School District | Bay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | Homeowner's exemption | $168,300 (+24.12%) | $336,600 (+24.12%) |
| 2023 | $135,600 | $271,200 | |
| 2022 | $4,691.00 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | AUBURN serves 2,087 people · EPA ID MI0000300 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 141 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 |
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