815 Harrison St, Bay City, MI 48708 Property Records

Bay County property record for 815 Harrison St, Bay City, MI 48708

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,870 sqft · built 1885
Lot Size	0.289 acres (12,589 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Jan 2018)
Tax Bill	$2,304 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`160-005-229-002-00`

Property Details

APN / Parcel Number

Primary APN	`160-005-229-002-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,870 sqft Living Area
1st Floor Area	1,135 sqft
Basement Area	1,226 sqft
Unfinished Basement	1,226 sqft

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	12,589 sqft (0.289 acres)
Lot Dimensions	168 ft deep x 75 ft wide
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	203 sqft
Patio Area	12 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	815 HARRISON ST
City	BAY CITY
State	MI
Zip	48708-8242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2 DUPLEX
Legal Description	LOT 4 BLK 7 EDWARD INGRAHAMS ADD TO VILL OF PORTSMOUTH
Legal Subdivision	EDWARD INGRAHAMS ADD
Legal Block	7
Legal Lot Number	4
Jurisdiction	BAY MI
Township / Civil Division	BAY CITY
Census Block Group	3
Census Block	3008
Census Tract	280900

Owner

815 Harrison St is owned and occupied by an individual who bought it in January 2018.

Source: Bay County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	815 HARRISON ST, BAY CITY, MI 48708-8242
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
Sep 2, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Oct 11, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 24, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
May 19, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2018 · Amount on File
Deed Sale	Jan 24, 2018 · Amount on File
Prior Sale	May 19, 2017 · Amount on File
Deed Document Number	2018961
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Recording Date	Sep 2, 2026
Property Address	815 HARRISON ST, BAY CITY, MI 48708-8242
Document Number	0000011487
Instrument Date	Aug 27, 2026
Instrument	202611487
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 HARRISON ST, BAY CITY, MI 48708-8242

Mortgage

Document Number	0000011487,
Date	Sep 2, 2026
Instrument	202611487

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	257 Months
Due	Feb 1, 2048

Interest

Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	815 HARRISON ST, BAY CITY, MI 48708-8242
Transaction Type	Mortgage
Record Updated	May 18, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 HARRISON ST, BAY CITY, MI 48708-8242

Mortgage

Document Number	0000011388
Date	Oct 11, 2023
Instrument	202311388

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	292 Months
Due	Feb 1, 2048

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	Jan 24, 2018
Property Address	815 HARRISON ST, BAY CITY, MI 48708-8242
Document Number	0000000961
Instrument Date	Jan 19, 2018
Instrument	961
Transaction Type	Transfer
Record Updated	Feb 21, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$731.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1701 S WENONA ST BAY CITY MI 487065272, BAY CITY, MI 48706-5272

Mortgage

Document Number	962
Date	Jan 24, 2018
Instrument	962

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2048

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY MI
Recording Date	May 19, 2017
Property Address	815 HARRISON ST, BAY CITY, MI 48708-8242
Document Number	0032170652
Book / Page	003217 / 000652
Instrument Date	May 17, 2017
Transaction Type	Transfer
Record Updated	Jul 19, 2017

Transaction

Amount	Amount on Record
Tax	$257.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2107 SYLVAN LN MIDLAND MI 486406762, MIDLAND, MI 48640-6762

Tax Assessment & Valuation

The 2026 property tax bill for 815 Harrison St was $2,304 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
Municipality	Bay City
Unified School District	Bay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,304.00 Homeowner's exemption	$72,450	$144,900
2023		$51,000	$102,000
2022	$2,013.00

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

Flood

FEMA maps place 815 Harrison St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1986.

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 Claims	1 (1986)
Most Recent Claim	Sep 1986 · Severe Storms & 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 815 Harrison St 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 98% of the US · lower than 95% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 302 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

May also be available: Verizon.

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