Bay County property record for 804 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 2,408 sqft · built 1900 |
| Lot Size | 0.253 acres (11,021 sqft) |
| Owner | Individual Name on File |
| Last Sale | $87,500 (May 2026) |
| Tax Bill | $2,458 (2026) |
| Deeds & Mortgages | Sep 2026 Transfer Sep 2026 Sale + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-182-002-00 |
| Primary APN | 160-016-182-002-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,408 sqft Living Area |
| 1st Floor Area | 1,310 sqft |
| Basement Area | 1,070 sqft |
| Unfinished Basement | 1,310 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Lot Area | 11,021 sqft (0.253 acres) |
| Lot Dimensions | 110 ft deep x 100 ft wide |
| Porch | Porch |
| Porch Area | 252 sqft |
| Patio Area | 1,080 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 804 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3966 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | LOTS 3-4 & N 10 FT LOTS 9 & 10 BLK 28 JOSEPH TROMBLES ADD TO THE VILL OF BANKS |
| Legal Subdivision | JOSEPH TROMBLES ADD |
| Legal Block | 28 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 281300 |
Source: Bay County records, as of October 2, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1805 BROADWAY ST, BAY CITY, MI 48708-8540 |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Sep 24, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Sep 24, 2026 | Contract Sale, Transfer NONE LISTED ON DOCUMENT |
| May 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage HOMELAND TITLE, HOMELAND TITLE SERVICES |
| Nov 5, 2025 | Sheriff's Deed, Foreclosure |
| Nov 7, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN H/O ASSISTANCE |
| Apr 17, 2017 | Warranty Deed, Transfer FRANKENMUTH CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 29, 2026 · Amount on File |
| Deed Sale | May 29, 2026 · Amount on File |
| Prior Sale | Nov 5, 2025 · Amount on File |
| Deed Document Number | 20267312 |
| Last Transfer Date | Sep 23, 2026 |
| Transfer Doc | 0000012536 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 24, 2026 |
| Property Address | 804 E SMITH ST, BAY CITY, MI 48706-3966 |
| Document Number | 0000012536 |
| Instrument Date | Sep 23, 2026 |
| Instrument | 202612536 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 580 N MAIN ST, FRANKENMUTH, MI 48734-1118 |
| Investor | Possibly a Property Investor |
| Document Type | Contract Sale |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 24, 2026 |
| Property Address | 804 E SMITH ST, BAY CITY, MI 48706-3966 |
| Document Number | 0000012537 |
| Instrument Date | Sep 23, 2026 |
| Instrument | 202612537 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1805 BROADWAY ST, BAY CITY, MI 48708-8540 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | May 29, 2026 |
| Property Address | 804 E SMITH ST, BAY CITY, MI 48706-3966 |
| Document Number | 0000007312 |
| Instrument Date | May 21, 2026 |
| Instrument | 20267312 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2026 |
| Title Company | HOMELAND TITLE, HOMELAND TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $66,281.25 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4201 KING RD, SAGINAW, MI 48601 |
| Document Number | 0000007313, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 20267313 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Nov 5, 2025 |
| Property Address | 804 E SMITH ST, BAY CITY, MI 48706-3966 |
| Document Number | 0000013889 |
| Map Reference | LB 1 PG 98 |
| Instrument Date | Oct 24, 2025 |
| Instrument | 202513889 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 19, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 580 N MAIN ST, FRANKENMUTH, MI 48734-1118 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 804 E SMITH ST, BAY CITY, MI 48706-3966 |
| Document Number | 0000015458 |
| Instrument Date | Nov 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 804 E SMITH ST BAY CITY MI 487063966, BAY CITY, MI 48706-3966 |
| Document Number | 0000015458 |
|---|---|
| Date | Nov 13, 2018 |
| Instrument | 15458 |
| Name | MICHIGAN H/O ASSISTANCE |
|---|---|
| Address | LANSING, MI 48912 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Apr 17, 2017 |
| Property Address | 804 E SMITH ST, BAY CITY, MI 48706-3966 |
| Document Number | 0032100931 |
| Book / Page | 003210 / 000931 |
| Instrument Date | Apr 3, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2017 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $764.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5190 PARK DR FAIRGROVE MI 487339701, FAIRGROVE, MI 48733-9701 |
| Document Number | 32100933 |
|---|---|
| Date | Apr 17, 2017 |
| Book Page | 003210/000933 |
| Name | FRANKENMUTH CU |
|---|---|
| Type | Credit Union |
| Address | FRANKENMUTH, MI 48734 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 16, 2047 |
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 | $2,458.00 (+3.02%) | $76,600 (+4.29%) | $153,200 (+4.29%) |
| 2025 | $73,450 (+31.51%) | $146,900 (+31.51%) | |
| 2024 | $2,386.00 (+11.08%) | ||
| 2023 | $55,850 | $111,700 | |
| 2022 | $2,148.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 15 (1981–2017) |
| Claims Outside the SFHA | 5 of 15 |
| Most Recent Claim | Jun 2017 · Severe Storms And Flooding |
| Claims by Event |
|
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 | Not rated no burnable land within 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures