Out past the suburbs, you're on a well and septic
Rural Bay County township homes often use private wells and septic systems, so buyers should ask for records and inspections.
Around Bay City, most homes are hooked up to municipal water and sewer. But head out into the county’s rural townships and that changes — out there, a house usually runs on its own well and a septic system. If you’re buying, building, or replacing a system in those areas, the Bay County Health Department issues the well and septic permits and checks each site’s soil before a system goes in.
Michigan has no statewide law requiring a septic inspection when a house changes hands, and Bay County isn’t one of the local areas that requires one on its own. So if a rural home runs on septic, it’s smart to ask the county for any records and to have the system looked at before you close, even though nobody’s forcing the issue. The health department can do that kind of evaluation if you ask.