Sold
407 Ottawa Street, Bay City, MI 48706
Sold on 05/18/2026 for$79,900
MLS # 50205554 (MiRealSource)
3 beds1 bathBuilt 18960.11 acres
1 / 34
Listing Description
Spacious 3-bedroom, 1.5-bath home with outstanding potential for renovation and customization. Featuring generous room sizes and a flexible layout, this property offers ample space to bring your vision to life. A great opportunity for those looking to add value, the interior provides a solid starting point for updates and improvements. Notable updates include a new furnace installed in 2023, several new windows, and the roof is approximately 15 years old. With plenty of square footage and versatility, this property is ready for transformation. Conveniently located near local amenities, this is a compelling opportunity to create a customized living space or investment property.
Source: SparkMLS
About this home
This 3-bedroom, 1-bath home built in 1896 sits in Bay City in Bay City.
Final sale price: $79,900.
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 Size0.11 acres
Year Built1896
Location
CityBay City
MunicipalityBay City
Zip Code48706
CountyBay
School DistrictBay City
Construction & Systems
ConstructionAluminum Siding
BasementMichigan Basement
HeatingForced Air
SewerPublic
InteriorCeiling Fan(s)
Sale & Financing
Listed4/26/2026
Sold Date5/17/2026
Terms AcceptedCash, Conventional
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 Malinda Radaz
Century 21 Signature Realty
Frequently Asked Questions about 407 Ottawa Street, Bay City, MI 48706
Which school district serves 407 Ottawa Street, Bay City, MI 48706?
Per MLS# 50205554, 407 Ottawa Street, 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.
What financing options are available for 407 Ottawa Street, Bay City, MI 48706?
Per MLS# 50205554, 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, 407 Ottawa Street, 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 407 Ottawa Street, 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 407 Ottawa Street, 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 Bay City police department or the Bay County sheriff's office.
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Monthly payment$518
Principal & interest$518
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
407 Ottawa Street, Bay City, MI 48706
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Municipality
Bay City
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