Sold
304 Main Street, Bay City, MI 48706
Sold on 04/28/2026 for$135,250
MLS # 50199777 (MiRealSource)
2 beds1 bathBuilt 19300.17 acres
1 / 23
Listing Description
MAKE YOUR MOVE TO MAIN STREET! Welcome to this adorable 2 bedroom, 1 bathroom bungalow that offers nearly 900 square feet of living space! The large covered front porch provides a lovely area to relax or entertain. The fresh paint and updated flooring throughout the home make this a move in ready property! With an open kitchen and eat in dining area, the comfortable layout is ideal. In the basement, you'll love the partially finished area that is great for additional storage plus a separate room that could be used for a play area, an office or additional living space. A fully fenced in yard and two car garage are fantastic bonuses to this adorable home. Call today for your own private tour!
Source: SparkMLS
About this home
2-bedroom, 1-bath home in Bay City in Bay City built in 1930.
Closed at $135,250.
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
Bedrooms2
Bathrooms1
Lot Size0.17 acres
Year Built1930
Location
CityBay City
MunicipalityBay City
Zip Code48706
CountyBay
School DistrictBay City
Construction & Systems
ConstructionVinyl Siding, Wood Siding
Garage2 spaces
HeatingForced Air
SewerPublic
Sale & Financing
Listed2/18/2026
Sold Date4/27/2026
Original Price$140,000
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 T.J. Peters
Modern Realty
Frequently Asked Questions about 304 Main Street, Bay City, MI 48706
What school district is 304 Main Street, Bay City, MI 48706 in?
Per MLS# 50199777, 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# 50199777, 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 304 Main Street, Bay City, MI 48706 eligible for USDA financing?
Per USDA Rural Development boundary data, 304 Main 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, 304 Main 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. 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$876
Principal & interest$876
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
304 Main Street, Bay City, MI 48706
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Municipality
Bay City
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