Sold
204 Elm Street, Bay City, MI 48706
Sold on 05/08/2026 for$143,000
MLS # 50190947 (MiRealSource)
3 beds2 bathsBuilt 18800.12 acres
1 / 18
Listing Description
Charming west-side home in the heart of Bay City! Enjoy easy access to shopping, dining and local amenities. This inviting home features an easy-flow floor plan with one bedroomp on the main level and two upstairs. Both the master and primary baths are beautifully updated with tile-surround tub and walk-in shower. Stay cozy this winter with a brand-new furnace and keep cool all summer with new central air.. Whether you work from home or need extra space, you'll love the fexible bonus room-perfect for an office, homework area or hobby space. Comfort, convenience, and location-this home has it all.
Source: SparkMLS
About this home
This 3-bedroom, 2-bath home built in 1880 sits in Bay City in Bay City.
Final sale price: $143,000.
Broadband is available with download speeds up to 1,000 Mbps from 9 providers. 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
Bathrooms2
Lot Size0.12 acres
Year Built1880
Location
CityBay City
MunicipalityBay City
Zip Code48706
CountyBay
School DistrictBay City
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
HeatingForced Air
SewerPublic
Sale & Financing
Listed10/8/2025
Sold Date5/7/2026
Original Price$145,000
Terms AcceptedCash, Conventional, FHA, MSHDA, 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 Diana Smith
Berkshire Hathaway HomeServices
Frequently Asked Questions about 204 Elm Street, Bay City, MI 48706
What school district is 204 Elm Street, Bay City, MI 48706 in?
Per MLS# 50190947, 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# 50190947, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, MSHDA, 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 204 Elm Street, Bay City, MI 48706 eligible for USDA financing?
Per USDA Rural Development boundary data, 204 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, 204 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.
Is fiber internet available at 204 Elm Street, Bay City, MI 48706?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 204 Elm Street, Bay City, MI 48706. The maximum advertised download speed is 1.0 Gbps. 9 internet providers serve this address. Confirm availability and speeds directly with providers.
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$907
Principal & interest$907
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1 Gbps
Upload
50 Mbps
CableLicensed Fixed WirelessGSO SatelliteFixed WirelessSatelliteDSL
9 providers at this address
SpectrumCable
1 GbpsVerizonLicensed Fixed Wireless
300 MbpsStarlinkGSO Satellite
280 MbpsM3 Wireless IncFixed Wireless
100 MbpsT-MobileLicensed Fixed Wireless
100 MbpsViasat IncSatellite
100 MbpsHughesNetSatellite
50 MbpsAT&TLicensed Fixed Wireless
25 MbpsAT&TDSL
0 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Bay City Electric Light & Power
Municipal
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
204 Elm Street, Bay City, MI 48706
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Municipality
Bay City
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