Sold
3102 N Water Street, Bay City, MI 48708
Sold on 06/12/2026 for$55,500
MLS # 50198858 (MiRealSource)
3 beds1 bathBuilt 19000.4 acres
1 / 10
Listing Description
Very spacious 2-story, 3 bedroom home situated on a generous size lot in Bay City! With some TLC, this home has tons of potential and presents the perfect opportunity to build equity with some elbow grease and updates, and the bonus rooms offer potential for additional bedrooms.
Source: SparkMLS
About this home
3-bedroom, 1-bath home in Bay City in Bay City built in 1900.
This home sold for $55,500.
Electric service is provided by Bay City Electric Light & Power; natural gas by Consumers Energy Company. Broadband is available with download speeds up to 1,000 Mbps from 7 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Lot Size0.4 acres
Year Built1900
Location
CityBay City
MunicipalityBay City
Zip Code48708
CountyBay
School DistrictBay City
Construction & Systems
ConstructionShingle Siding
BasementCrawl Space
HeatingForced Air
SewerPublic
Sale & Financing
Listed2/3/2026
Sold Date6/11/2026
Original Price$89,000
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Parcel #160-022-226-001-00
Source: SparkMLS
Legal Description
LOTS 4, 5 & E 2 FT OF LOT 6 ALSO N 1/2 OF VAC ALLEY ADJ THRTO BLK 7 WILLIAM GALARNO'S ADD (SPLIT OFF -010 FOR 95)
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Dona Czapp
Valley Real Estate
Frequently Asked Questions about 3102 N Water Street, Bay City, MI 48708
Which school district serves 3102 N Water Street, Bay City, MI 48708?
Per MLS# 50198858, 3102 N Water Street, Bay City, MI 48708 is in the Bay City boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Bay City directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 50198858, this listing accepts Cash, Conventional financing. 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, 3102 N Water Street, Bay City, MI 48708 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.
Is 3102 N Water Street, Bay City, MI 48708 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 3102 N Water Street, Bay City, MI 48708. The maximum advertised download speed is 1.0 Gbps. 7 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 3102 N Water Street, Bay City, MI 48708?
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.
What is the crime rate in 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$453
Principal & interest$453
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1 Gbps
Upload
35 Mbps
CableGSO SatelliteDSLSatelliteLicensed Fixed Wireless
7 providers at this address
FCC 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
3102 N Water Street, Bay City, MI 48708
View full property history →
Municipality
Bay City
View all listings →
Get email alerts for new listings near 3102 N Water 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.