7421 E Ryan Ct, Bay City, MI 48706 Property Records

Bay County property record for 7421 E Ryan Ct, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,514 sqft · built 2005
Lot Size	0.375 acres (16,335 sqft)
Owner	Individual Name on File
Last Sale	$212,500 (Sep 2019)
Tax Bill	$4,715 (2026)
Deeds & Mortgages	Dec 2019 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`030-B17-000-116-00`

Property Details

APN / Parcel Number

Primary APN	`030-B17-000-116-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,514 sqft Living Area
1st Floor Area	1,514 sqft
Basement Area	1,514 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	16,335 sqft (0.375 acres)
Lot Dimensions	150 ft deep x 109 ft wide
Garage Area	684 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	7421 E RYAN CT
City	BAY CITY
State	MI
Zip	48706-8341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 116 BROOKESIDE NO. 3, L13/P27 BCR
Legal Subdivision	BROOKESIDE NO 3
Legal Lot Number	116
Jurisdiction	BAY MI
Township / Civil Division	FRANKENLUST
Census Block Group	2
Census Block	2028
Census Tract	285400

Owner

7421 E Ryan Ct is owned and occupied by an individual who bought it in September 2019.

Source: Bay County records, as of May 18, 2026

Owner of Record	Individual Name on File
Mailing Address	7421 E RYAN CT, BAY CITY, MI 48706-8341
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK
Sep 12, 2019	Warranty Deed, Transfer · Conventional with PMI JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2019 · Amount on File
Deed Sale	Sep 12, 2019 · Amount on File
Prior Sale	Jun 7, 2005 · Amount on File
Deed Document Number	201912582
Prior Transfer Date	Jan 20, 2009
Prior Transfer Doc	0026530151
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	7421 E RYAN CT, BAY CITY, MI 48706-8341
Document Number	0000000286
Instrument Date	Dec 31, 2019
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7421 E RYAN CT BAY CITY MI 487068341, BAY CITY, MI 48706-8341

Mortgage

Document Number	0000000286
Date	Jan 7, 2020
Instrument	286

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 6, 2035

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Sep 12, 2019
Property Address	7421 E RYAN CT, BAY CITY, MI 48706-8341
Document Number	0000012582
Instrument Date	Sep 10, 2019
Instrument	12582
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,827.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1041 N PHILIPS ST KOKOMO IN 469012651, KOKOMO, IN 46901-2651

Mortgage

Document Number	12583
Date	Sep 12, 2019
Instrument	12583

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 7421 E Ryan Ct was $4,715 with a homeowner's exemption, up 62.3% from the year before.

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	$4,715.00 (+62.25%) Homeowner's exemption	$178,700 (+2.17%)	$357,400 (+2.17%)
2025	$2,906.00 Homeowner's exemption	$174,900	$349,800
2023		$141,950	$283,900
2022	$4,095.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7421 E Ryan Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.

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

Wildfire risk around 7421 E Ryan Ct 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 95% of the US · lower than 89% 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.

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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