Bay County property record for 908 E Murphy St, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,550 sqft · built 1978 |
| Lot Size | 0.225 acres (9,801 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (Nov 2009) |
| Tax Bill | $1,814 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-016-251-004-00 |
| Primary APN | 160-016-251-004-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,550 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 9,801 sqft (0.225 acres) |
| Lot Dimensions | 100 ft deep x 98 ft wide |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 20 sqft |
| Patio Area | 400 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Street Address | 908 E MURPHY ST |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-3957 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 SINGLE |
| Legal Description | LOT 6 STERLING SUB & LOT 7 OF SD SUB EXC COM AT NE COR OF SD LOT 7 TH WLY ALG NLY LI SD LOT 34.28 FT TH SLY PAR WI ELY LI SD |
| Legal Subdivision | STERLING SUB |
| Jurisdiction | BAY MI |
| Township / Civil Division | BAY CITY |
| Census Block Group | 2 |
| Census Block | 2003 |
| 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 | 908 E MURPHY ST, BAY CITY, MI 48706-3957 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2009 · Amount on Record |
| Deed Sale | Nov 4, 2009 · Amount on Record |
| Prior Sale | May 7, 2002 · Amount on Record |
| Deed Book / Page | 2708 / 2 |
| Prior Transfer Date | Oct 29, 2009 |
| Prior Transfer Doc | 0027080002 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 908 E MURPHY ST, BAY CITY, MI 48706-3957 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 908 E MURPHY ST, BAY CITY, MI 48706-3957 |
| Document Number | 0000003903 |
|---|---|
| Date | Mar 18, 2022 |
| Instrument | 202203903 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49525 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2042 |
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 | $1,814.00 (+21.42%) Homeowner's exemption | $67,200 (+6.84%) | $134,400 (+6.84%) |
| 2025 | $1,494.00 (-5.74%) Homeowner's exemption | $62,900 (+30.09%) | $125,800 (+30.09%) |
| 2023 | $48,350 | $96,700 | |
| 2022 | $1,585.00 |
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 |
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