Expired
40 WESTSIDE SAGINAW Road, Bay City, MI 48706
$129,900
MLS # 50197834 (MiRealSource)
4 beds2 bathsBuilt 19460.42 acres
1 / 12
Listing Description
Step inside and imagine the possibilities. This Bay City home sits on nearly half an acre and welcomes you with an attached garage and a large, fully fenced backyard—offering space, privacy, and room to grow. As you enter, you’re greeted by a spacious living room that flows into a formal dining area, creating an inviting layout for everyday living and hosting. Just beyond, the well-sized kitchen anchors the main level and offers a functional footprint ready for your personal touch. Two bedrooms and a full bathroom are conveniently located on the main floor. Upstairs, you’ll find two additional bedrooms, a half bathroom, and a charming nook with built-in drawers—perfect for extra storage or a cozy reading space. The lower level adds even more potential, featuring a full bathroom and an egress window, making a finished basement a real possibility for additional living or recreational space. This home presents as a renovation opportunity. Updates and repairs needed include replacement of the meter socket, a new main breaker, and updated water pipes/plumbing. With 1,328 square feet above grade, a generous fenced lot, and convenient access to local colleges, shopping, dining, and everyday amenities, this property offers strong upside for buyers looking to customize and build equity.
Source: SparkMLS
About this home
4-bedroom, 2-bath home in Bay City built in 1946.
Asking $129,900.
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
Bedrooms4
Bathrooms2
Lot Size0.42 acres
Year Built1946
Location
CityBay City
MunicipalityMonitor Twp
Zip Code48706
CountyBay
School DistrictBay City
Construction & Systems
ConstructionVinyl Siding
Garage1 space
SewerPublic
Sale & Financing
Listed1/18/2026
Original Price$145,000
Terms AcceptedCash, Conventional
Source: SparkMLS
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Jamie Diffin
Gateway Brokerage
Frequently Asked Questions about 40 WESTSIDE SAGINAW Road, Bay City, MI 48706
Which school district serves 40 WESTSIDE SAGINAW Road, Bay City, MI 48706?
Per MLS# 50197834, 40 WESTSIDE SAGINAW Road, Bay City, MI 48706 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.
Can I use FHA or VA financing for this property?
Per MLS# 50197834, 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, 40 WESTSIDE SAGINAW Road, 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 40 WESTSIDE SAGINAW Road, 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 40 WESTSIDE SAGINAW Road, Bay City, MI 48706. 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 40 WESTSIDE SAGINAW Road, 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 Monitor Twp police department or the Bay County sheriff's office.
Map
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Monthly payment$843
Principal & interest$843
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1 Gbps
Upload
35 Mbps
CableLicensed Fixed WirelessGSO SatelliteSatellite
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
40 WESTSIDE SAGINAW Road, Bay City, MI 48706
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