Sold
202 Elm Street, Bay City, MI 48706
Sold on 05/11/2026 for$72,000
MLS # 20261018783 (Realcomp)
3 beds1 bath1,040 sqftBuilt 19100.11 acres
1 / 14
Listing Description
Great opportunity on this three bedroom ranch home in Bay City. The home has a newer roof, large covered front porch, and a two car attached carport. The interior has a good layout. Large living room. Kitchen with oak cabinets. Three decent sized bedrooms. Full unfinished basement. Fenced in back yard. Home needs some updating, but priced to compensate. Broker owned, immediate occupancy.
Source: SparkMLS
About this home
3-bedroom, 1-bath, 1,040 sq ft home in Bay City in Bay City built in 1910.
Closed at $72,000 (about $69/sq ft).
Annual property taxes run approximately $2,072 ($173/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
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
Bedrooms3
Bathrooms1
Living Area1,040 sqft
Lot Size0.11 acres
Year Built1910
Stories1
Location
CityBay City
MunicipalityBay City
Zip Code48706
CountyBay
School DistrictBay City
Construction & Systems
ConstructionAluminum Siding
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed4/5/2026
Sold Date5/10/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,072
Parcel #0916001630700200
Source: SparkMLS
Legal Description
LOT 11 BLK 5 WEBSTERS 2ND ADD TO W BC
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Ray Megie
Realty Executives Main St LLC
Frequently Asked Questions about 202 Elm Street, Bay City, MI 48706
What school district is 202 Elm Street, Bay City, MI 48706 in?
Per MLS# 20261018783, this property is served by Bay City. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 20261018783, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20261018783, the most recent reported annual property tax for 202 Elm Street, Bay City, MI 48706 is $2,072. Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 202 Elm Street, Bay City, MI 48706 eligible for USDA financing?
Per USDA Rural Development boundary data, 202 Elm Street, Bay City, MI 48706 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, 202 Elm Street, Bay City, MI 48706 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. Water: 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.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$518
Principal & interest$518
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
202 Elm Street, Bay City, MI 48706
View full property history →
Municipality
Bay City
View all listings →
Get email alerts for new listings near 202 Elm Street
We'll notify you when something hits the market in Bay City or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.