For Sale
400 S Johnson Street, Bay City, MI 48708
$138,400
MLS # 50202991 (MiRealSource)
3 beds1 bathBuilt 18800.09 acres
1 / 24
Listing Description
Welcome to 400 S. Johnson Street, where historic character meets opportunity. This 3-bedroom, 1.5-bath home offers 1,374 square feet of living space on a spacious corner lot just minutes from Downtown Bay City's restaurants, shops, parks, and waterfront. Inside, you'll find the charm that older homes are known for, including generous room sizes, abundant natural light, and inviting living and dining spaces perfect for entertaining or relaxing with family. Recent updates have already begun, allowing the next owner to enjoy improvements while adding their own finishing touches over time. The kitchen offers a practical layout with plenty of potential, while all three upstairs bedrooms provide comfortable living space. The upstairs full bathroom has already been updated, and several other projects have been started, making it easier to continue enhancing the home's character and value. Whether you're a first-time homebuyer looking to build equity, an investor seeking your next opportunity, or someone who appreciates the craftsmanship of historic homes, this property offers exceptional potential at an affordable price. Don't miss your chance to own a piece of Bay City history. Schedule your private showing today!
Source: SparkMLS
About this home
This 3-bedroom, 1-bath home built in 1880 sits in Bay City in Bay City.
Asking $138,400.
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 Size0.09 acres
Year Built1880
Location
CityBay City
MunicipalityBay City
Zip Code48708
CountyBay
School DistrictBay City
Construction & Systems
ConstructionAluminum Siding, Wood Siding
HeatingForced Air
SewerPublic
Sale & Financing
Listed3/30/2026
Original Price$150,000
Terms AcceptedCash, Conventional, FHA
Source: SparkMLS
Tax Information
Parcel #09-160-027-310-010-00
Source: SparkMLS
Legal Description
LOT 7 BLK 2 SHEARER BROS 1ST ADD TO BC
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Chance Owen
Bay Realty Michigan
Frequently Asked Questions about 400 S Johnson Street, Bay City, MI 48708
Which school district serves 400 S Johnson Street, Bay City, MI 48708?
Per MLS# 50202991, 400 S Johnson 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.
Can I use FHA or VA financing for this property?
Per MLS# 50202991, 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, 400 S Johnson 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 400 S Johnson 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 utilities serve 400 S Johnson 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.
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Monthly payment$898
Principal & interest$898
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
400 S Johnson Street, Bay City, MI 48708
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Municipality
Bay City
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