987 Pine Rd, Bay City, MI 48706 Property Records

Bay County property record for 987 Pine Rd, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1926
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Tax Bill	$1,054 (2026)
Deeds & Mortgages	Feb 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`010-003-100-230-00`

Property Details

APN / Parcel Number

Primary APN	`010-003-100-230-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	840 sqft Living Area
1st Floor Area	840 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Ranch
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	987 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 40 FT S 56D E FR PT 1826.33 FT N & 529.60 FT E OF W 1/4 POST, TH S 56D E 40 FT, TH N 34D E 120 FT, TH WLY 40 FT TO PT N
Legal Range	05E
Legal Township	14N
Legal Section	03
Legal Lot Number	1
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	1
Census Block	1016
Census Tract	285900

Owner

Source: Bay County records, as of May 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	987 PINE RD, BAY CITY, MI 48706-1949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 15, 2024
Transfer Doc	0000004137
Record Updated	Jun 8, 2026

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY MI
Recording Date	Feb 12, 2020
Property Address	987 PINE RD, BAY CITY, MI 48706-1949
Document Number	0000001920
Instrument Date	Jan 16, 2020
Instrument	1920
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$73.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6026 STEPHEN BRIGHTON MI 481162123, BRIGHTON, MI 48116-2123

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Bangor Charter Township
Unified School District	Bangor Township Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,054.00 (+21.99%) Homeowner's exemption	$41,300 (+32.16%)	$82,600 (+32.16%)
2023		$31,250	$62,500
2022	$864.00

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

Flood

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	Severe Storms And Flooding, Jun 2017 · 4 claims Severe Storms & Flooding, Sep 1986 · 7 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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