Bay County property record for 710 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,431 sqft · built 1870 |
| Lot Size | 0.236 acres (10,280 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (Apr 2025) |
| Tax Bill | $1,879 (2026) |
| Deeds & Mortgages | Sep 2022 Mortgage Dec 2020 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-181-006-00 |
| Primary APN | 160-016-181-006-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,431 sqft Living Area |
| 1st Floor Area | 876 sqft |
| Basement Area | 876 sqft |
| Unfinished Basement | 876 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 10,280 sqft (0.236 acres) |
| Lot Dimensions | 100 ft deep x 103 ft wide |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 48 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 710 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3964 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | W 103 FT OF E 309.25 FT OF N 100 FT OF PAR BDD E BY JOSEPH ST & N BY SMITH ST SEC 16 T14NR5E (10-5-77) |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 3 |
| Census Block | 3010 |
| 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 | 2012 3RD ST, BAY CITY, MI 48708-6217 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Dec 10, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Dec 10, 2020 | Warranty Deed, Transfer ENVOY MTG |
| Nov 29, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| May 15, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 14, 2025 · Amount on Record |
| Deed Sale | Apr 14, 2025 · Amount on Record |
| Prior Sale | Dec 10, 2020 · Amount on Record |
| Deed Document Number | 20255090 |
| Prior Transfer Date | May 5, 2017 |
| Prior Transfer Doc | 0032160964 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 710 E SMITH ST, BAY CITY, MI 48706-3964 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 710 E SMITH ST, BAY CITY, MI 48706-3964 |
| Document Number | 0000013115 |
|---|---|
| Date | Sep 15, 2022 |
| Instrument | 202213115 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Dec 10, 2020 |
| Property Address | 710 E SMITH ST, BAY CITY, MI 48706-3964 |
| Document Number | 0000017816 |
| Instrument Date | Dec 8, 2020 |
| Instrument | 17816 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $404.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 710 E SMITH ST BAY CITY MI 487063964, BAY CITY, MI 48706-3964 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Dec 10, 2020 |
| Property Address | 710 E SMITH ST, BAY CITY, MI 48706-3964 |
| Document Number | 0000017817 |
| Instrument Date | Dec 8, 2020 |
| Instrument | 17817 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $593.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3740 LAURIA RD BAY CITY MI 487061131, BAY CITY, MI 48706-1131 |
| Document Number | 17818 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | 17818 |
| Name | ENVOY MTG |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 9, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Nov 29, 2018 |
| Property Address | 710 E SMITH ST, BAY CITY, MI 48706-3964 |
| Document Number | 0000016205 |
| Instrument Date | Nov 15, 2018 |
| Instrument | 16205 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $404.20 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 710 E SMITH ST BAY CITY MI 487063964, BAY CITY, MI 48706-3964 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | May 15, 2017 |
| Property Address | 710 E SMITH ST, BAY CITY, MI 48706-3964 |
| Document Number | 0032160964 |
| Book / Page | 003216 / 000964 |
| Instrument Date | May 5, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 710 E SMITH ST BAY CITY MI 487063964, BAY CITY, MI 48706-3964 |
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 | $1,879.00 (+21.46%) Homeowner's exemption | $52,500 (-0.19%) | $105,000 (-0.19%) |
| 2025 | $1,547.00 (-5.79%) Homeowner's exemption | $52,600 (+31.34%) | $105,200 (+31.34%) |
| 2023 | $40,050 | $80,100 | |
| 2022 | $1,642.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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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