Bay County property record for 974 Chip Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1998 |
| Lot Size | 3.01 acres (131,116 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $35,000 (Jul 2005) |
| Tax Bill | $2,016 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 100-005-400-020-08 |
| Primary APN | 100-005-400-020-08 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Lot Area | 131,116 sqft (3.01 acres) |
| Lot Dimensions | 391 ft deep x 335 ft wide |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 974 CHIP RD |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-9441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | COM AT E 1/4 COR OF SEC TH W 223 FT TO POB TH W 335 FT TH S 391 FT TH E 335 FT TH N 391 FT TO BEG. SEC.5,T14N,R4E |
| Jurisdiction | BAY MI |
| Township / Civil Division | MONITOR |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 285700 |
Source: Bay County records · APN 100-005-400-020-08
Assessment roll updated May 18, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 974 CHIP RD, BAY CITY, MI 48706-9441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 05, 2005 · Amount on Record |
| Deed Sale | Jul 05, 2005 · Amount on Record |
| Prior Sale | Dec 24, 2002 · Amount on Record |
| Deed Book / Page | 2343 / 117 |
| Prior Transfer Date | Jun 30, 2005 |
| Prior Transfer Doc | 0023430118 |
| Record Updated | Jun 08, 2026 |
Source: Bay County records · Assessment roll updated May 18, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Monitor Charter Township |
| Unified School District | Bay City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,016.00 (+163.87%) Homeowner's exemption | $69,500 (+4.2%) | $139,000 (+4.2%) |
| 2025 | $764.00 Homeowner's exemption | $66,700 (+38.96%) | $133,400 (+38.96%) |
| 2023 | $48,000 | $96,000 |
Source: FEMA National Flood Hazard Layer as of February 17, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1996–2017) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jun 2017 · Severe Storms And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
Based on FCC filings for 10 locations within half a mile of this property.
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