Sold
704 Bay Road, Bay City, MI 48706
Sold on 06/26/2026 for$167,000
MLS # 50209048 (MiRealSource)
3 beds2 bathsBuilt 19400.22 acres
1 / 14
Listing Description
This charming 3-bedroom, 2-bath ranch sits on a perfectly sized lot directly across from the Saginaw Bay. The interior features a cozy living room and a primary suite designed for relaxation, complete with cathedral ceilings, an en-suite bath, and a spacious walk-in closet.The attached garage has been converted into a heated workshop, currently serving as a dual-purpose office and workout space. The outdoor space offers a very relaxing atmosphere, featuring a fully fenced front and backyard, a storage shed, and a back deck/patio area ideal for quiet afternoons or summer entertaining. Move-in ready and situated in an unbeatable location, this home is a fantastic opportunity for any buyer or investor! Listing agent has ownership interest in the property.
Source: SparkMLS
About this home
3-bedroom, 2-bath home in Bay City built in 1940.
Final sale price: $167,000.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Lot Size0.22 acres
Year Built1940
Location
CityBay City
MunicipalityBangor Twp
Zip Code48706
CountyBay
School DistrictBangor
Construction & Systems
ConstructionAluminum Siding
BasementSlab
Garage1 space
HeatingForced Air
SewerPublic
Sale & Financing
Listed5/26/2026
Sold Date6/25/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Parcel #010-A16-000-084-00
Source: SparkMLS
Legal Description
LOT 84 ASSESSOR'S PLAT OF APLIN BEACH SUB.
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Zachary Kuch
EXP Realty LLC
Frequently Asked Questions about 704 Bay Road, Bay City, MI 48706
What school district is 704 Bay Road, Bay City, MI 48706 in?
Per MLS# 50209048, this property is served by Bangor. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 50209048, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, 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 704 Bay Road, Bay City, MI 48706 eligible for USDA financing?
Per USDA Rural Development boundary data, 704 Bay 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.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 704 Bay Road, 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: Consumers Energy Company. 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 Bangor Twp police department or the Bay County sheriff's office.
Map
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Monthly payment$1,070
Principal & interest$1,070
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
704 Bay Road, Bay City, MI 48706
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