For Sale
2788 N Saginaw Bay Shore Drive, Pinconning, MI 48650
$229,900
MLS # 50207050 (MiRealSource)
2 beds1 bathBuilt 19521.5 acres
1 / 30
Listing Description
Experience the beauty and privacy of waterfront living on Saginaw Bay with this charming 2 bedroom home situated on approximately 1.5 acres with 200 feet of frontage. Wake up to breathtaking sunrises over the bay and spend your days enjoying some of Michigan’s best outdoor recreation right from your doorstep. This property offers outstanding walleye fishing, kayaking along the shoreline, excellent waterfowl hunting, and abundant wildlife throughout the area. Bordering nearby state land with limited public access, the setting provides a peaceful and secluded atmosphere ideal for nature lovers and outdoor enthusiasts alike. The home features a full basement for additional storage or future living space, along with a large 26x32 detached garage perfect for boats, kayaks, hunting gear, and recreational equipment. Located just minutes from a marina, boat launch, and I-75, this property combines privacy, convenience, and the true Up North waterfront lifestyle.
Source: SparkMLS
About this home
2-bedroom, 1-bath home in Pinconning built in 1952.
Listed at $229,900.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Lot Size1.5 acres
Year Built1952
Location
CityPinconning
MunicipalityFraser Twp
Zip Code48650
CountyBay
School DistrictPinconning
Construction & Systems
ConstructionVinyl Siding
Garage2.5 spaces
HeatingForced Air
SewerSeptic Tank
Sale & Financing
Listed5/10/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
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 Ryan Sagady
Bay Realty Michigan
Frequently Asked Questions about 2788 N Saginaw Bay Shore Drive, Pinconning, MI 48650
Which school district serves 2788 N Saginaw Bay Shore Drive, Pinconning, MI 48650?
Per MLS# 50207050, 2788 N Saginaw Bay Shore Drive, Pinconning, MI 48650 is in the Pinconning boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Pinconning directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 50207050, this listing accepts Cash, Conventional, FHA, VA Loan financing. FHA financing can offer lower down payment requirements for qualified buyers. 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, 2788 N Saginaw Bay Shore Drive, Pinconning, MI 48650 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 2788 N Saginaw Bay Shore Drive, Pinconning, MI 48650 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 2788 N Saginaw Bay Shore Drive, Pinconning, MI 48650?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: Septic Tank. 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 Fraser Twp police department or the Bay County sheriff's office.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$1,491
Principal & interest$1,491
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
2788 N Saginaw Bay Shore Drive, Pinconning, MI 48650
View full property history →
Get email alerts for new listings near 2788 N Saginaw Bay Shore Drive
We’ll notify you when new listings match your interests.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.