7400 E Ryan Ct, Bay City, MI 48706 Property Records

Bay County property record for 7400 E Ryan Ct, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,432 sqft · built 2009
Lot Size	0.289 acres (12,589 sqft)
Owner	Individual Name on Record
Last Sale	$152,500 (Apr 2014)
Tax Bill	$3,730 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`030-B17-000-158-00`

Property Details

APN / Parcel Number

Primary APN	`030-B17-000-158-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,432 sqft Living Area
1st Floor Area	1,432 sqft
Basement Area	1,432 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Lot Area	12,589 sqft (0.289 acres)
Lot Dimensions	140 ft deep x 90 ft wide
Garage Area	503 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	7400 E RYAN CT
City	BAY CITY
State	MI
Zip	48706-8355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 158 BROOKESIDE NO. 3, L13/P27 BCR
Legal Subdivision	BROOKSIDE #3
Legal Lot Number	158
Jurisdiction	BAY MI
Township / Civil Division	FRANKENLUST
Census Block Group	2
Census Block	2030
Census Tract	285400

Owner

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	7400 E RYAN CT, BAY CITY, MI 48706-8355
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage WILDFIRE CU
Mar 17, 2017	Deed of Trust, Mortgage · Conventional with PMI WILDFIRE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2014 · Amount on Record
Deed Sale	Apr 17, 2014 · Amount on Record
Prior Sale	Apr 17, 2014 · Amount on Record
Deed Book / Page	3024 / 737
Prior Transfer Date	Dec 18, 2009
Prior Transfer Doc	0027220800
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	7400 E RYAN CT, BAY CITY, MI 48706-8355
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202110542
Date	Jun 14, 2021
Instrument	202110542

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2041

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	7400 E RYAN CT, BAY CITY, MI 48706-8355
Document Number	0032060513
Book / Page	003206 / 000513
Instrument Date	Mar 17, 2017
Transaction Type	Mortgage
Record Updated	Jun 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7400 E RYAN CT BAY CITY MI 487068355, BAY CITY, MI 48706-8355

Mortgage

Document Number	0032060513
Date	Mar 27, 2017
Book Page	003206/000513

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605-3285

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Frankenlust Township
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,730.00 (+65.56%) Homeowner's exemption	$153,400 (+3.09%)	$306,800 (+3.09%)
2025	$2,253.00 (-27.9%) Homeowner's exemption	$148,800 (+27.4%)	$297,600 (+27.4%)
2023		$116,800	$233,600
2022	$3,125.00

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	6 in force
Nearby Flood Claims	2 (1997)
Most Recent Claim	Mar 1997 · river or lake flooding

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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	BANGOR-MONITOR METRO DISTRICT serves 2,971 people · EPA ID MI0000400
Water Source	Purchased surface water from BAY AREA WATER SYSTEM
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023) 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 166 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: LakeNet.

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