702 E Jane St, Bay City, MI 48706 Property Records

Bay County property record for 702 E Jane St, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,693 sqft · built 1960
Lot Size	0.097 acres (4,225 sqft)
Owner	Individual Name on Record
Last Sale	$61,500 (Jun 2000)
Tax Bill	$2,040 (2026)
Deeds & Mortgages	Aug 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`160-020-436-002-00`

Property Details

APN / Parcel Number

Primary APN	`160-020-436-002-00`
Alternative APN	`0913002043600200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,693 sqft Living Area
1st Floor Area	874 sqft
Basement Area	874 sqft
Unfinished Basement	874 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	4,225 sqft (0.097 acres)
Lot Dimensions	84.5 ft deep x 50 ft wide
Patio Area	288 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	702 E JANE ST
City	BAY CITY
State	MI
Zip	48706-4932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2 HI-RI
Legal Description	E 34.5 FT OF LOT 1 & W 1/2 OF LOT 16 BLK 17 LAKE CITY (COMB W/PT OF -001 FOR 2001)
Legal Subdivision	LAKE CITY
Legal Block	17
Legal Lot Number	1,16
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	3
Census Block	3038
Census Tract	286600

Owner

Source: Bay County records, as of September 30, 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	702 E JANE ST, BAY CITY, MI 48706-4932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2000 · Amount on Record
Deed Sale	Jun 28, 2000 · Amount on Record
Deed Book / Page	1691 / 866
Last Transfer Date	Jun 11, 2014
Transfer Doc	0030350919
Record Updated	Oct 29, 2026

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY MI
Property Address	702 E JANE ST, BAY CITY, MI 48706-4932
Document Number	0000016192
Instrument Date	Aug 21, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	702 E JANE ST BAY CITY MI 487064932, BAY CITY, MI 48706-4932

Mortgage

Document Number	0000016192
Date	Dec 2, 2019
Instrument	16192

Lender

Name	NEW RESID'L MTG LLC
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Dec 1, 2059

Interest

Rate Type	Fixed Rate
Rate	3.99%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
Municipality	Bay City
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,040.00 (+36.27%) Homeowner's exemption	$69,550 (+5.38%)	$139,100 (+5.38%)
2025	$1,497.00 (-17.84%) Homeowner's exemption	$66,000 (+48.48%)	$132,000 (+48.48%)
2023		$44,450	$88,900
2022	$1,822.00

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 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	1 in force
Nearby Flood Claims	4 (1983–1986)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 1986 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Sep 1986 · 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	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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 278 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20