Bay County property record for 985 Pine Rd, Bay City, MI 48706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 760 sqft |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,101 (2026) |
| Deeds & Mortgages | Jul 2018 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 010-003-100-235-00 |
| Primary APN | 010-003-100-235-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 760 sqft Living Area |
| 1st Floor Area | 760 sqft |
| Architectural Style | Ranch |
|---|---|
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 985 PINE RD |
|---|---|
| City | BAY CITY |
| State | MI |
| Zip | 48706-1949 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | COM 1826.33 FT N & 529.60 FT E FR W 1/4 POST, TH S 56D E 40 FT. TH N 34D E 120.00 FT, TH NWLY 40 FT TO PT N 34D E OF BEG TH N |
| Legal Lot Number | 1 |
| Jurisdiction | BAY MI |
| Township / Civil Division | BANGOR |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 285900 |
Source: Bay County assessment roll, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 985 PINE RD, BAY CITY, MI 48706-1949 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 5, 1986 |
| Deed Sale | May 5, 1986 |
| Deed Book / Page | 1015 / 58 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY MI |
| Property Address | 985 PINE RD, BAY CITY, MI 48706-1949 |
| Document Number | 0000011662 |
| Instrument Date | Jul 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Name | Verified Name |
|---|---|
| Address | 985 PINE RD BAY CITY MI 487061949, BAY CITY, MI 48706-1949 |
| Document Number | 0000011662 |
|---|---|
| Date | Aug 23, 2018 |
| Instrument | 11662 |
| Name | CHEMICAL BK |
|---|---|
| Type | Bank |
| Address | MIDLAND, MI 48640 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Bay County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Bay County |
| County Subdivision | Bangor Charter Township |
| Unified School District | Bangor Township Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,101.00 (+21.79%) Homeowner's exemption | $39,950 (+22.17%) | $79,900 (+22.17%) |
| 2023 | $32,700 | $65,400 | |
| 2022 | $904.00 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 584.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 52 policies |
| Nearby Flood Policies | 52 in force |
| Nearby Flood Claims | 73 (1981–2021) |
| Claims Outside the SFHA | 41 of 73 |
| Most Recent Claim | Sep 2021 · river or lake 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 | 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 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 | PINCONNING TOWNSHIP serves 1,479 people · EPA ID MI0005335 |
|---|---|
| Water Source | Purchased surface water from BAY AREA WATER SYSTEM |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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 254 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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