7410 E Ryan Ct, Bay City, MI 48706 Property Records

Bay County property record for 7410 E Ryan Ct, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,578 sqft · built 2009
Lot Size	0.315 acres (13,721 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Sep 2024)
Tax Bill	$5,430 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`030-B17-000-159-00`

Property Details

APN / Parcel Number

Primary APN	`030-B17-000-159-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,578 sqft Living Area
1st Floor Area	1,578 sqft
Basement Area	1,578 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Lot Area	13,721 sqft (0.315 acres)
Lot Dimensions	140 ft deep x 98 ft wide
Garage Area	564 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	7410 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 159 BROOKESIDE NO. 3, L13/P27 BCR
Legal Subdivision	BROOKESIDE #3
Legal Lot Number	159
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	2 Individual Names on Record
Mailing Address	2096 KARA DR, BAY CITY, MI 48706-8343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Aug 30, 2017	Loan Modification, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2024 · Amount on Record
Deed Sale	Sep 26, 2024 · Amount on Record
Prior Sale	Nov 20, 2009 · Amount on Record
Deed Document Number	202411268
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	7410 E RYAN CT, BAY CITY, MI 48706-8355
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7410 E RYAN CT, BAY CITY, MI 48706-8355

Mortgage

Document Number	0000019827
Date	Nov 29, 2021
Instrument	202119827

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY MI
Property Address	7410 E RYAN CT, BAY CITY, MI 48706-8355
Document Number	0032410526
Instrument Date	Aug 30, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	FIRSTT AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7410 E RYAN CT BAY CITY MI 48706, BAY CITY, MI 48706

Mortgage

Document Number	0032410526
Date	Oct 2, 2017
Book Page	003241/000526

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

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	$5,430.00 (+66.26%) Homeowner's exemption	$160,000 (+27.03%)	$320,000 (+27.03%)
2023		$125,950	$251,900
2022	$3,266.00

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.

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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