Sold
1600 5th Street, Bay City, MI 48708
Sold on 05/22/2026 for$215,900
MLS # 50199985 (MiRealSource)
4 beds2 bathsBuilt 19900.1 acres
1 / 43
Listing Description
FABULOUS ON FIFTH !Step into timeless elegance in this stunning Victorian home in the heart of Bay City. Built in 1900 and beautifully maintained, this 2,494 sqft, 4 bedroom, 2 bathroom home offers an additional 350 square feet of finished living space in the basement, blending historic charm with everyday functionality. From the moment you enter, you’ll be captivated by the grand foyer featuring a beautiful fireplace and a handcrafted, original Victorian staircase that serves as the centerpiece of the home. Soaring 10-foot ceilings and rich hardwood floors create a warm and inviting atmosphere, while exquisite stained glass windows throughout much of the home add character and architectural distinction that simply cannot be replicated. One-and-a-half car garage offers added convenience and storage. Call today for your private showing!
Source: SparkMLS
About this home
This 4-bedroom, 2-bath home built in 1990 sits in Bay City in Bay City.
Closed at $215,900.
Electric service is provided by Bay City Electric Light & Power; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms2
Lot Size0.1 acres
Year Built1990
Location
CityBay City
MunicipalityBay City
Zip Code48708
CountyBay
School DistrictBay City
Construction & Systems
ConstructionVinyl Siding
Garage1.5 spaces
HeatingForced Air
SewerPublic
InteriorCeiling Fan(s)
Sale & Financing
Listed2/22/2026
Sold Date5/21/2026
Original Price$249,000
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Matt Smith
Modern Realty
Frequently Asked Questions about 1600 5th Street, Bay City, MI 48708
What school district is 1600 5th Street, Bay City, MI 48708 in?
Per MLS# 50199985, this property is served by Bay City. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 1600 5th Street, Bay City, MI 48708?
Per MLS# 50199985, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, VA Loan. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
Is 1600 5th Street, Bay City, MI 48708 eligible for USDA financing?
Per USDA Rural Development boundary data, 1600 5th Street, Bay City, MI 48708 is not in an eligible area. USDA eligibility is based on property location — properties within designated urban zones are excluded. Other low-down-payment options (FHA, VA) may still be available.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 1600 5th Street, Bay City, MI 48708 is in flood zone X (minimal risk). 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.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Bay City Electric Light & Power. Gas: Consumers Energy Company. Sewer: Public. Confirm service details directly with providers.
How safe is 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$1,459
Principal & interest$1,459
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
1600 5th Street, Bay City, MI 48708
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Municipality
Bay City
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