Pending
3971 Peppermill Drive, Bay City, MI 48706
$336,400
MLS # 50200258 (MiRealSource)
4 beds2 bathsBuilt 19810.3 acres
1 / 44
Listing Description
Fully updated 4-bedroom home with option for a 5th bedroom located in a quiet Bay City neighborhood. Spacious layout offers 2.5 baths, partially finished basement, and oversized 2.5-car garage. Sunroom with skylights provides great natural light and additional living space. Recent updates include brand-new roof, freshly painted exterior, new paint throughout interior, quartz countertops, stainless steel stove and dishwasher, tile in both full baths, tile flooring in half bath, new carpet in bedrooms and living room, and luxury vinyl plank flooring throughout main areas. Move-in ready with modern finishes and plenty of space for a large family. Immediate occupancy available.
Source: SparkMLS
About this home
4-bedroom, 2-bath home in Bay City built in 1981.
Listed at $336,400.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms2
Lot Size0.3 acres
Year Built1981
Location
CityBay City
MunicipalityBangor Twp
Zip Code48706
CountyBay
School DistrictBangor
Construction & Systems
ConstructionWood Siding
BasementCrawl Space
Garage2.5 spaces
HeatingForced Air
SewerPublic
Sale & Financing
Listed2/25/2026
Original Price$353,900
Terms AcceptedCash, Conventional, FHA, MSHDA
Source: SparkMLS
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Taylor Cobb
HOMEFLO
Frequently Asked Questions about 3971 Peppermill Drive, Bay City, MI 48706
Which school district serves 3971 Peppermill Drive, Bay City, MI 48706?
Per MLS# 50200258, 3971 Peppermill 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 financing options are available for 3971 Peppermill Drive, Bay City, MI 48706?
Per MLS# 50200258, this listing accepts Cash, Conventional, FHA, MSHDA 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, 3971 Peppermill Drive, 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.
Is 3971 Peppermill Drive, Bay City, MI 48706 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 3971 Peppermill Drive, Bay City, MI 48706?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. 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
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Monthly payment$2,182
Principal & interest$2,182
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
3971 Peppermill Drive, Bay City, MI 48706
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