For Sale
807 E North Union Street, Bay City, MI 48706
$75,000
MLS # 1946673 (Northern Great Lakes REALTORS® MLS)
4 beds1 bathBuilt 19100.07 acres
1 / 57
Listing Description
Possible Land Contract Available – Bay City Investment Opportunity! Looking for an affordable home in Bay City, Michigan with investment potential? This 4-bedroom, 1-bath home offers a rare opportunity for first-time home-buyers, investors, landlords, or anyone looking to build instant sweat equity. Situated on a desirable corner lot with a fenced yard, this property features a full basement, carport, spacious floor plan, and solid construction with plenty of room for updates and customization. Inside, you'll find four bedrooms, including two large upstairs bedrooms, generous living space, and a full basement ideal for storage, a workshop, or future finished living area. The home's strong bones provide an excellent foundation for renovation, making it a great fixer-upper, rental property, flip opportunity, or affordable primary residence. Located in Bay City, you'll enjoy convenient access to schools, parks, shopping, restaurants, medical facilities, and major commuter routes. Whether you're searching for a starter home, investment property, income-producing rental, or a home to personalize and make your own, this property checks all the boxes. Property Highlights: Possible Land Contract Terms Available 4 Bedrooms | 1 Bathroom Corner Lot Location Fenced Backyard Full Basement Two Large Upstairs Bedrooms Strong Structural Bones Excellent Sweat Equity Potential Ideal Investment Property or Starter Home Convenient Bay City Location Don't miss this affordable Bay City real estate opportunity with flexible financing options and unlimited potential. Schedule your showing today and discover the value this property has to offer.
Source: SparkMLS
About this home
4-bedroom, 1-bath home in Bay City in Bay City built in 1910.
Listed at $75,000.
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
Bedrooms4
Bathrooms1
Lot Size0.07 acres
Year Built1910
Stories1
Location
CityBay City
Zip Code48706
CountyBay
Construction & Systems
BasementDaylight, Other
HeatingNatural Gas, Forced Air
WaterPublic
SewerPublic
Sale & Financing
Listed6/15/2026
Terms AcceptedCash, Conventional, FHA, Land Contract, MSHDA
Source: SparkMLS
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by DeAnna M Fulco
REO-TCFront-233021
Frequently Asked Questions about 807 E North Union Street, Bay City, MI 48706
What type of financing is accepted for this listing?
Per MLS# 1946673, this listing accepts Cash, Conventional, FHA, Land Contract, MSHDA financing. FHA financing can offer lower down payment requirements for qualified buyers. 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, 807 E North Union Street, 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.
Is 807 E North Union 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 807 E North Union 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. Water: 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 local police department or county sheriff's office.
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Monthly payment$486
Principal & interest$486
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
807 E North Union Street, Bay City, MI 48706
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Municipality
Bay City
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