609 Bay St, Davison, MI 48423 Property Records

Genesee County property record for 609 Bay St, Davison, MI 48423

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,038 sqft · built 1978
Lot Size	0.291 acres (12,676 sqft)
Owner	2 Individual Names on Record
Last Sale	$279,000 (Aug 2021)
Tax Bill	$7,296 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-04-578-013`

Property Details

APN / Parcel Number

Primary APN	`52-04-578-013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,038 sqft Living Area
1st Floor Area	1,610 sqft
Basement Area	1,285 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	12,676 sqft (0.291 acres)
Lot Dimensions	132 ft deep x 96 ft wide
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	609 BAY ST
City	DAVISON
State	MI
Zip	48423-1046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 132 FT OF LOT 5 ASSESSORS PLAT NO 8 (79)
Legal Subdivision	ASSESSORS PLAT
Legal Lot Number	5
Jurisdiction	GENESEE MI
Township / Civil Division	DAVISON
Census Block Group	1
Census Block	1011
Census Tract	11710

Owner

Source: Genesee County records, as of October 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	609 BAY ST, DAVISON, MI 48423-1046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage ELGA CREDIT UNION
Aug 25, 2021	Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2021 · Amount on Record
Deed Sale	Aug 25, 2021 · Amount on Record
Prior Sale	May 10, 2001 · Amount on Record
Deed Document Number	202169891
Prior Transfer Date	Aug 4, 2010
Prior Transfer Doc	0000072092
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	609 BAY ST, DAVISON, MI 48423-1046
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 BAY ST, DAVISON, MI 48423-1046

Mortgage

Document Number	0000043813
Date	Aug 2, 2023
Instrument	202308020043813

Lender

Name	ELGA CREDIT UNION
Type	Credit Union
Address	GRAND BLANC, MI 48439

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jul 28, 2038

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Aug 25, 2021
Property Address	609 BAY ST, DAVISON, MI 48423-1046
Document Number	202108250069891
Map Reference	LB 21 PG 52
Instrument Date	Aug 25, 2021
Instrument	202108250069891
Transaction Type	Transfer
Record Updated	Oct 21, 2021
Title Company	SUN TITLE AGENCY/MI LLC, SUN TITLE AGENCY OF MI LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,399.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	609 BAY ST, 609, DAVISON, MI 48423-1046

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 S STATE, DAVISON, MI 48423

Mortgage

Document Number	202108250069892
Date	Aug 25, 2021
Instrument	202108250069892

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
Municipality	Davison City
Unified School District	Davison Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$189,400 (+9.35%) Land $12,500 Building $176,900	$378,800 (+9.35%) Land $25,000 Building $353,800
2025	$7,296.00 (+2.5%) Homeowner's exemption	$173,200 (+19.61%)	$346,400 (+19.61%)
2024	$7,118.00 (+405.9%)
2023		$144,800	$289,600
2021	$1,407.00

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 19, 2024 · 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	1 in force
Nearby Flood Claims	3 (1985)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 1985 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 1985 · 2 claims

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF DAVISON serves 5,000 people · EPA ID MI0001720
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2026) 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 366 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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