For Sale
413 Franklin Street, Bay City, MI 48708
$99,900
MLS # 50189978 (MiRealSource)
4 beds2 bathsBuilt 19000.11 acres
1 / 23
Listing Description
Spacious Historic Home with Modern Updates Built in 1900, this Bay City home combines timeless character with thoughtful updates. Offering four bedrooms plus a large den that could serve as a fifth bedroom, there is plenty of room for everyone as well as ample storage throughout. The main level features convenient laundry, hardwood floors in the kitchen and dining areas, and a spacious layout filled with natural light. Recent updates include a super-efficient hydronic hot water heating system, updated electrical and plumbing, remodeled bathrooms, and vinyl windows. Located just blocks from downtown Bay City’s shops, restaurants, and the waterfront, this property blends historic charm with modern comfort.
Source: SparkMLS
About this home
This 4-bedroom, 2-bath home built in 1900 sits in Bay City in Bay City.
Currently offered at $99,900.
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 8 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms2
Lot Size0.11 acres
Year Built1900
Location
CityBay City
MunicipalityBay City
Zip Code48708
CountyBay
School DistrictBay City
Construction & Systems
ConstructionVinyl Siding
HeatingBaseboard
SewerPublic
InteriorCeiling Fan(s)
Sale & Financing
Listed9/28/2025
Original Price$139,900
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 Tina Timmons
BOMIC Real Estate
Frequently Asked Questions about 413 Franklin Street, Bay City, MI 48708
Which school district serves 413 Franklin Street, Bay City, MI 48708?
Per MLS# 50189978, 413 Franklin 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.
What type of financing is accepted for this listing?
Per MLS# 50189978, 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, 413 Franklin 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 413 Franklin 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 413 Franklin Street, Bay City, MI 48708. The maximum advertised download speed is 1.0 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 413 Franklin 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.
Map
Mortgage Calculator
$
%
$
$
$
Monthly payment$648
Principal & interest$648
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 SatelliteSatelliteDSL
8 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
413 Franklin Street, Bay City, MI 48708
View full property history →
Municipality
Bay City
View all listings →
Get email alerts for new listings near 413 Franklin Street
We'll notify you when something hits the market in Bay City or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.