For Sale
110 N Madison Avenue, Bay City, MI 48708
$196,900
MLS # 50204407 (MiRealSource)
Built 18900.11 acres
1 / 22
Listing Description
Well-maintained and fully refurbished duplex located just minutes from downtown Bay City. All renovations have been completed by a licensed builder, offering quality workmanship and peace of mind. Both units have been extensively updated with new flooring and windows, providing modern, move-in-ready living spaces. The property features separate electrical systems and two brand-new furnaces, making it efficient and easy to manage. Current rental income includes the lower unit bring in $900 per month with a long term tenant and the second unit at $650 per month, immediate cash flow potential. Ideal opportunity for investors or owner-occupants seeking a turnkey property in a convenient location close to downtown amenities.
Source: SparkMLS
About this home
2-bath home in Bay City in Bay City built in 1890.
Currently offered at $196,900.
Electric service is provided by Bay City Electric Light & Power; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeMulti Family
Bathrooms2
Lot Size0.11 acres
Year Built1890
Location
CityBay City
MunicipalityBay City
Zip Code48708
CountyBay
Construction & Systems
HeatingForced Air
Sale & Financing
Listed4/14/2026
Original Price$200,000
Terms AcceptedCash, Conventional
Source: SparkMLS
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Chance Owen
Bay Realty Michigan
Frequently Asked Questions about 110 N Madison Avenue, Bay City, MI 48708
What type of financing is accepted for this listing?
Per MLS# 50204407, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 110 N Madison Avenue, Bay City, MI 48708 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 110 N Madison Avenue, Bay City, MI 48708 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 110 N Madison Avenue, Bay City, MI 48708?
Per Michigan Public Service Commission service territory data: Electric: Bay City Electric Light & Power. Gas: Consumers Energy Company. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Bay City police department or the Bay County sheriff's office.
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Monthly payment$1,277
Principal & interest$1,277
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Bay City Electric Light & Power
Municipal
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
110 N Madison Avenue, Bay City, MI 48708
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Municipality
Bay City
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