For Sale
1872 Mckinley Avenue, Bay City, MI 48708
$189,900
MLS # 50208464 (MiRealSource)
4 beds1 bathBuilt 19140.17 acres
1 / 63
Listing Description
Step into timeless charm and character in this beautifully preserved historic 4-bedroom home in the heart of Bay City. Featuring stunning original woodwork, spacious living areas, abundant natural light, and classic architectural details throughout, this home perfectly blends historic elegance with everyday comfort. From the inviting front porch to the warm interior spaces, every room tells a story while offering the functionality you're looking for.
Source: SparkMLS
About this home
This 4-bedroom, 1-bath home built in 1914 sits in Bay City in Bay City.
Currently offered at $189,900.
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
Bathrooms1
Lot Size0.17 acres
Year Built1914
Location
CityBay City
MunicipalityBay City
Zip Code48708
CountyBay
School DistrictBay City
Construction & Systems
ConstructionStucco
Garage2 spaces
HeatingHeat Pump
SewerPublic
Sale & Financing
Listed5/20/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Parcel #160-027-128-015-00
Source: SparkMLS
Legal Description
E 1/2 OF LOTS 1 & 2 THE MARSTON ADD TO BC
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 Shawn McNeil
HOMEFLO
Frequently Asked Questions about 1872 Mckinley Avenue, Bay City, MI 48708
What school district is 1872 Mckinley Avenue, Bay City, MI 48708 in?
Per MLS# 50208464, 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 type of financing is accepted for this listing?
Per MLS# 50208464, 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 1872 Mckinley Avenue, Bay City, MI 48708 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 1872 Mckinley Avenue, 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$1,232
Principal & interest$1,232
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
1872 Mckinley Avenue, Bay City, MI 48708
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Municipality
Bay City
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