Bay County property record for 906 E Smith St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 972 sqft · built 1920 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $89,900 (Sep 2022) |
| Tax Bill | $1,514 (2026) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Feb 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-254-003-00 |
| Primary APN | 160-016-254-003-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 972 sqft Living Area |
| 1st Floor Area | 972 sqft |
| Basement Area | 972 sqft |
| Unfinished Basement | 972 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Ranch |
| Roof Type | Gable |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 136 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 906 E SMITH ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3968 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | W 1/2 OF LOT 2 & ALL OF LOT 3 BLK 29 JOSEPH TROMBLES ADD TO THE VILL OF BANKS |
| Legal Subdivision | JOSEPH TROMBLES ADD |
| Legal Block | 29 |
| Legal Lot Number | 2-3 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 281300 |
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 | 906 E SMITH ST, BAY CITY, MI 48706-3968 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 23, 2022 | Warranty Deed, Transfer · Conventional Mortgage MICHIGAN MUTUAL INC |
| Feb 16, 2022 | Intrafamily Transfer, Transfer |
| May 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCIALEDGE CMNTY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2022 · Amount on Record |
| Deed Sale | Sep 23, 2022 · Amount on Record |
| Prior Sale | Sep 11, 2015 · Amount on Record |
| Deed Document Number | 202213550 |
| Prior Transfer Date | Feb 9, 2022 |
| Prior Transfer Doc | 0000002404 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Sep 23, 2022 |
| Property Address | 906 E SMITH ST, BAY CITY, MI 48706-3968 |
| Document Number | 0000013550 |
| Map Reference | LB 1 PG 98 |
| Instrument Date | Sep 15, 2022 |
| Instrument | 202213550 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $675.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4990 2 MILE RD, 4990, BAY CITY, MI 48706-2700 |
| Name | Verified Name |
|---|---|
| Address | 906 E SMITH ST, BAY CITY, MI 48706-3968 |
| Document Number | 0000013551 |
|---|---|
| Date | Sep 23, 2022 |
| Instrument | 202213551 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY MI |
| Recording Date | Feb 16, 2022 |
| Property Address | 906 E SMITH ST, BAY CITY, MI 48706-3968 |
| Document Number | 0000002404 |
| Instrument Date | Feb 9, 2022 |
| Instrument | 202202404 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 906 E SMITH ST, BAY CITY, MI 48706-3968 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 906 E SMITH ST, BAY CITY, MI 48706-3968 |
| Document Number | 0000006627 |
| Instrument Date | May 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 906 E SMITH ST BAY CITY MI 487063968, BAY CITY, MI 48706-3968 |
| Document Number | 0000006627 |
|---|---|
| Date | May 19, 2020 |
| Instrument | 6627 |
| Name | FINANCIALEDGE CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | BAY CITY, MI 48706 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 18, 2025 |
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 | $1,514.00 (+21.41%) Homeowner's exemption | $40,850 (+3.94%) | $81,700 (+3.94%) |
| 2025 | $1,247.00 (+35.54%) Homeowner's exemption | $39,300 (+31.22%) | $78,600 (+31.22%) |
| 2023 | $29,950 | $59,900 | |
| 2022 | $920.00 |
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.
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 |
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