7646 Carter Rd, Bentley, MI 48613 Property Records

Bay County property record for 7646 Carter Rd, Bentley, MI 48613

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,280 sqft · built 1980
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (May 2018)
Tax Bill	$2,372 (2026)
Deeds & Mortgages	Apr 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-016-300-025-01`

Property Details

APN / Parcel Number

Primary APN	`060-016-300-025-01`

Interior

Full Baths	1 Bath
Building Area	1,280 sqft Living Area
1st Floor Area	1,280 sqft
Basement Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Foundation Type	Raised
Lot Area	435,600 sqft (10 acres)
Lot Dimensions	1,320 ft deep x 330 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	7646 CARTER RD
City	BENTLEY
State	MI
Zip	48613-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 OF S 1/2 OF NW 1/4 OF SW 1/4 SEC 16 T18N R3E 5-12-78
Legal Range	03E
Legal Township	18N
Legal Section	16
Jurisdiction	BAY MI
Township / Civil Division	GIBSON
Census Block Group	1
Census Block	1017
Census Tract	286400

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	7646 CARTER RD, BENTLEY, MI 48613-9618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2020	Deed of Trust, Mortgage · Conventional with PMI AMERIFIRST FIN'L CORP
May 29, 2018	Warranty Deed, Transfer · Conventional with PMI AMERIFIRST FIN'L CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2018 · Amount on Record
Deed Sale	May 29, 2018 · Amount on Record
Prior Sale	Feb 29, 2016 · Amount on Record
Deed Document Number	20187684
Prior Transfer Date	Feb 26, 2015
Prior Transfer Doc	0030860574
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	7646 CARTER RD, BENTLEY, MI 48613-9618
Document Number	0000005612
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7646 CARTER RD BENTLEY MI 486139618, BENTLEY, MI 48613-9618

Mortgage

Document Number	0000005612
Date	Apr 21, 2020
Instrument	5612

Lender

Name	AMERIFIRST FIN'L CORP
Address	PORTAGE, MI 49002

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	May 29, 2018
Property Address	7646 CARTER RD, BENTLEY, MI 48613-9618
Document Number	0000007684
Instrument Date	May 25, 2018
Instrument	7684
Transaction Type	Transfer
Record Updated	Oct 26, 2018
Title Company	LAND TITLE AND ABSTRACT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,462.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6453 FLAJOLE RD BENTLEY MI 486139602, BENTLEY, MI 48613-9602

Mortgage

Document Number	7685
Date	May 29, 2018
Instrument	7685

Lender

Name	AMERIFIRST FIN'L CORP
Address	KALAMAZOO, MI 49002

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Gibson Township
Unified School District	Standish-Sterling Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,372.00 (+3.85%) Homeowner's exemption	$99,800 (+2.25%)	$199,600 (+2.25%)
2025		$97,600 (+37.66%)	$195,200 (+37.66%)
2024	$2,284.00 (+9.39%)
2023		$70,900	$141,800
2022	$2,088.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fixed Wireless	1,000 / 500
Verizon Fixed Wireless	25 / 6

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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