Pending
705 Handy Drive, Bay City, MI 48706
$220,000
MLS # 20261026729 (Realcomp)
3 beds3 baths2,416 sqftBuilt 19570.32 acres
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Listing Description
Welcome to this spacious, well-maintained ranch nestled in a quiet, established neighborhood in Bangor Township! Offering a functional and versatile layout with over 1,400 sqft, this home features three bedrooms on the main level with the potential for a fourth bedroom in the basement.The main living area is warm and inviting, highlighted by a wood-burning fireplace, gleaming hardwood floors, and a formal dining room, perfect for both everyday living and entertaining. Relax and unwind in the enclosed three-season porch.Step outside to a fully fenced backyard designed for entertaining, complete with an in-ground pool, pool house for storage, built-in grill, and a dedicated seating area. A separate fenced green space provides a great area for pets or play.The partially finished basement expands your living space with a built-in bar, additional bedroom, full bathroom, and plenty of storage.Clean, solid, and move-in ready, this home is prepared to welcome its next owner!
Source: SparkMLS
About this home
3-bedroom, 3-bath, 2,416 sq ft home in Bay City built in 1957.
Asking $220,000 (about $91/sq ft).
Annual property taxes run approximately $2,570 ($214/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
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
Bathrooms3
Living Area2,416 sqft
Lot Size0.32 acres
Year Built1957
Stories1
Location
CityBay City
MunicipalityBangor Twp
Zip Code48706
CountyBay
Construction & Systems
ConstructionBrick
BasementPartial
Garage2.5 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorBasement Partially Finished, Basement Plumbed for Bath
Sale & Financing
Listed4/18/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$2,570
Parcel #09010F1000401200
Source: SparkMLS
Legal Description
LOT 12 BLK 4 FROST SUB. AS RECORDED IN LIBER 5 OF PLATS PAGE 5 OF BAY COUNTY RECORDS.
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 Emily Schrems
Berkshire Hathaway HomeServices Michigan Real Est
Frequently Asked Questions about 705 Handy Drive, Bay City, MI 48706
What type of financing is accepted for this listing?
Per MLS# 20261026729, 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.
How much are property taxes for this home?
Per MLS# 20261026729, the most recent reported annual property tax for 705 Handy Drive, Bay City, MI 48706 is $2,570. Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 705 Handy Drive, 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, 705 Handy Drive, 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. Water: 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.
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Monthly payment$1,427
Principal & interest$1,427
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
705 Handy Drive, Bay City, MI 48706
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