For Sale
39 Spruce Ridge Drive, Bay City, MI 48706
$159,900
MLS # 50210153 (MiRealSource)
3 beds1 bathBuilt 19370.25 acres
1 / 21
Listing Description
Back on the market! The previous buyers got cold feet, which means this is your second chance to own a fantastic home! Whether you're looking for a place to call home or a great investment property, this one is definitely worth a look. This beautifully updated home has been improved from top to bottom, giving you quality, comfort, and peace of mind. Updates include new vinyl siding, a new roof, newer windows, new electrical from the mast throughout the home, a new furnace, new plumbing, and a new water heater. Inside, you'll love the remodeled kitchen and bathroom, new flooring, and a beautiful fireplace that makes the living space feel warm and inviting. Every update has been thoughtfully completed so the next owner can simply move in and enjoy. Step outside to the brand-new front porch or back deck—perfect for relaxing, entertaining, or enjoying your morning coffee. Located just a short walk from the Kawkawlin River and the Saginaw Bay area, you'll have easy access to everything this beautiful location has to offer. Sometimes things happen for a reason, and this opportunity is back! Don't miss your chance to see why this home won't last long. Schedule your showing today!
Source: SparkMLS
About this home
This 3-bedroom, 1-bath home built in 1937 sits in Bay City.
Asking $159,900.
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
Lot Size0.25 acres
Year Built1937
Location
CityBay City
MunicipalityBangor Twp
Zip Code48706
CountyBay
School DistrictBangor
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
HeatingForced Air
SewerPublic
Sale & Financing
Listed6/3/2026
Terms AcceptedCash, Conventional, FHA
Source: SparkMLS
Tax Information
Parcel #010-B10-008-017-00
Source: SparkMLS
Legal Description
LOT 17, EX WLY 5 FT & ENTIRE LOTS 18-19-20, BLK 8 BAY SIDE PARK SUB.
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Brooke Bickerstaff
Keller Williams Preferred
Frequently Asked Questions about 39 Spruce Ridge Drive, Bay City, MI 48706
Which school district serves 39 Spruce Ridge Drive, Bay City, MI 48706?
Per MLS# 50210153, 39 Spruce Ridge Drive, Bay City, MI 48706 is in the Bangor boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Bangor directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 50210153, this listing accepts Cash, Conventional, FHA 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, 39 Spruce Ridge Drive, Bay City, MI 48706 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 39 Spruce Ridge Drive, Bay City, MI 48706 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. Flood insurance is required for federally-backed mortgages in this zone. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 39 Spruce Ridge Drive, Bay City, MI 48706?
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 Bangor Twp police department or the Bay County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$1,037
Principal & interest$1,037
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
39 Spruce Ridge Drive, Bay City, MI 48706
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