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Aug 3, 2026 · 40 days ago· 10:00am EDT to 7:00pm EDT
Judgment of foreclosure is the primary clearing step; some insurers still require quiet title or extended curative work on tax-foreclosed deeds.
Michigan tax-foreclosure (MCL 211.78 / PA 123) county — not a lien-certificate sale. After multi-year forfeiture, Circuit Court foreclosure (typically March 31 cycle) vests title in the County Treasurer as Foreclosing Governmental Unit; remainder parcels sell at public auction AS IS by quitclaim-style deed. Bay County 2026 auction for tax-foreclosed parcels: virtual on August 3, 2026 via tax-sale.info (Title Check, LLC); bidding opens 30 days prior. Excess proceeds claims under MCL 211.78t / Rafaeli framework (Form 5473 etc.). Historic 2015–2020 surplus claims also referenced on county page. Saginaw Bay / industrial mid-Michigan.
Inherited from Michigan rather than researched for Bay: type, redemption, returns, statute.
| Parcel | Address | Opening bid | Assessed | Spread | Status |
|---|---|---|---|---|---|
| 010-019-100-250-00 | East North Union | $4,300 | $88,000 | $83,700 | pending |
| 160-028-212-021-00 | East North Union | $4,300 | $44,350 | $40,050 | pending |
| 160-020-176-004-00 | East North Union | $4,300 | $43,000 | $38,700 | pending |
| 160-020-353-008-00 | East North Union |
Spread is not profit.It compares the opening bid to the county's assessed value, which is not market value — Michigan state equalized value is 50% of true cash value by constitution (Mich. Const. art. IX, § 3); taxable value may be lower still. The SEV published with these auction listings is taken from the delinquent tax year that was foreclosed upon, so it is typically several years stale — in a rising market it understates current value, and in a falling one it overstates it. Open a parcel to run the full max-bid analysis, which accounts for the assessment ratio, surviving liens, quiet title, and holding costs.
| $4,300 |
| $43,000 |
| $38,700 |
| pending |
| 160-028-292-001-00 | East North Union | $4,300 | $38,700 | $34,400 | pending |
| 160-028-240-011-00 | East North Union | $4,300 | $35,700 | $31,400 | pending |
| 170-S30-000-002-16 | 800 BORTON AVE ESSEXVILLE · ESSEXVILLE | $692 | $30,000 | $29,308 | pending |
| 160-028-211-029-00 | Van Buren | $14,066 | $42,600 | $28,534 | pending |
| 080-010-400-210-00 | East North Union | $4,300 | $32,300 | $28,000 | pending |
| 070-G10-012-010-00 | East North Union | $4,300 | $30,200 | $25,900 | pending |
| 160-032-289-006-00 | East North Union | $4,300 | $29,200 | $24,900 | pending |
| 160-033-391-010-00 | Cass Ave | $7,973 | $32,100 | $24,127 | pending |
| 070-023-300-285-00 | East North Union | $4,300 | $28,100 | $23,800 | pending |
| 120-034-200-030-09 | N HURON RD PINCONNING | $692 | $22,300 | $21,608 | pending |
| 120-034-200-030-10 | N HURON RD PINCONNING | $692 | $22,300 | $21,608 | pending |
| 120-034-200-030-11 | N HURON RD PINCONNING | $692 | $22,300 | $21,608 | pending |
| 160-022-379-004-00 | 4Th Street | $4,480 | $24,700 | $20,220 | pending |
| 160-032-284-003-00 | The Co | $4,300 | $24,100 | $19,800 | pending |
| 160-033-186-001-00 | Fitzhugh And 28Th | $7,779 | $27,550 | $19,771 | pending |
| 160-032-232-006-00 | The Corner Of Webste | $10,210 | $28,350 | $18,140 | pending |
| 180-023-200-119-00 | North Water Stree | $11,607 | $23,400 | $11,793 | pending |
| 010-009-400-100-00 | 4436 JEAN RD BAY CITY · BAY CITY | $692 | $6,800 | $6,108 | pending |
| 160-017-203-018-00 | 108 LOLLS LN BAY CITY · BAY CITY | $692 | $1,850 | $1,158 | pending |
| 160-032-284-001-00 | 100 28TH ST BAY CITY · BAY CITY | $692 | $1,800 | $1,108 | pending |
| 010-008-300-160-00 | SCHUMANN RD BAY CITY | $692 | $1,400 | $708 | pending |
| 060-B05-008-010-00 | STANDISH RD BENTLEY | $692 | $1,200 | $508 | pending |
| 040-010-400-090-00 | East North Union | $4,300 | $4,300 | -$0 | pending |
| 180-P05-004-008-01 | S KAISER ST PINCONNING | $692 | $300 | -$392 | pending |
| 060-B05-008-009-00 | East North Union | $4,300 | $2,400 | -$1,900 | pending |