Sold
402 Patterson Avenue, Bay City, MI 48706
Sold on 05/27/2026 for$151,000
MLS # 50204589 (MiRealSource)
3 beds2 bathsBuilt 19420.13 acres
1 / 25
Listing Description
3 bedroom, 2 bath home in Bay City with a number of cosmetic updates throughout. Good size kitchen with newer appliances, along with a newer roof, furnace, and hot water heater already taken care of. The home also has central AC. Basement has two bonus rooms added, providing extra space. Fenced yard and a 2 car garage.
Source: SparkMLS
About this home
3-bedroom, 2-bath home in Bay City in Bay City built in 1942.
Closed at $151,000.
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
Bathrooms2
Lot Size0.13 acres
Year Built1942
Location
CityBay City
MunicipalityBay City
Zip Code48706
CountyBay
School DistrictBay City
Construction & Systems
Garage2 spaces
HeatingForced Air
SewerPublic
Sale & Financing
Listed4/15/2026
Sold Date5/26/2026
Terms AcceptedCash, Conventional, FHA, MSHDA, VA Loan
Source: SparkMLS
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Josh Moore
Berkshire Hathaway HomeServices
Frequently Asked Questions about 402 Patterson Avenue, Bay City, MI 48706
What school district is 402 Patterson Avenue, Bay City, MI 48706 in?
Per MLS# 50204589, this property is served by Bay City. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 402 Patterson Avenue, Bay City, MI 48706?
Per MLS# 50204589, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, MSHDA, VA Loan. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
Is 402 Patterson Avenue, Bay City, MI 48706 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 402 Patterson Avenue, Bay City, MI 48706 is in flood zone X (minimal risk). 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.
Who are the utility providers for this property?
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.
How safe is 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$940
Principal & interest$940
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
402 Patterson Avenue, Bay City, MI 48706
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Municipality
Bay City
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