Bay County property record for 703 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,194 sqft · built 1937 |
| Lot Size | 0.149 acres (6,490 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $53,000 (Apr 1994) |
| Tax Bill | $1,816 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-177-017-00 |
| Primary APN | 160-016-177-017-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,194 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 6,490 sqft (0.149 acres) |
| Lot Dimensions | 100 ft deep x 65 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 184 sqft |
| Patio Area | 992 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 703 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3963 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | ELY 64.50 FT OF SLY 100 FT OF WLY 129.25 FT OF PAR BD SLY BY SMITH ST & WLY BY LASALLE ST SEC 16 T14N R5E |
| Legal Range | 05E |
| Legal Township | 14N |
| Legal Section | 16 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 281300 |
703 E Smith St is owned and occupied by two individuals who bought it in April 1994.
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 File |
|---|---|
| Mailing Address | 703 E SMITH ST, BAY CITY, MI 48706-3963 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 1994 · Amount on File |
| Deed Sale | Apr 27, 1994 · Amount on File |
| Deed Book / Page | 1318 / 985 |
| Record Updated | Jun 8, 2026 |
The 2026 property tax bill for 703 E Smith St was $1,816 with a homeowner's exemption.
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 | $1,816.00 Homeowner's exemption | $56,550 | $113,100 |
| 2023 | $40,750 | $81,500 | |
| 2022 | $1,587.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 703 E Smith St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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.
Wildfire risk around 703 E Smith St is low, with less than a 0.01% annual chance of 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.
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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