For Sale78d on market
40 Westside Saginaw Rd
Bay City, MI, 48706 • 48706 • Bay County
$129,900
$98/sqft
-$10,000 since Mar 25, 2026
Down payment assistance available
4Beds
3Baths
1,328Sqft
0.42 acLot
1946Built
Property DNA
Ranch Style
Built 1946 · 80 years of history
Unknown
48706
Shed(s)
Shed(s)
This home is getting attention
Listed 78 days ago · 856 views · 30 saves
Market activity
Demand and pricing signals for this listing
856 views
People checking out this listing
30 saves
Buyers have saved this home
78 days on market
Established listing
$98/sqft
Price per square foot
Selling Soon Prediction
ModerateThis home ranks in the top 32% of listings most likely to go under contract soon, based on market activity and demand signals.
Likelihood score
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About this home
Single Family · Built 1946
Step inside and imagine the possibilities. This Bay City home sits on nearly half an acre and welcomes you with an attached garage and a large, fully fenced backyard—offering space, privacy, and room to grow. As you enter, you’re greeted by a spacious living room that flows into a formal dining area, creating an inviting layout for everyday living and hosting. Just beyond, the well-sized kitchen anchors the main level and offers a functional footprint ready for your personal touch. Two bedrooms and a full bathroom are conveniently located on the main floor. Upstairs, you’ll find two additional bedrooms, a half bathroom, and a charming nook with built-in drawers—perfect for extra storage or a cozy reading space. The lower level adds even more potential, featuring a full bathroom and an egress window, making a finished basement a real possibility for additional living or recreational space. This home presents as a renovation opportunity. Updates and repairs needed include replacement of the meter socket, a new main breaker, and updated water pipes/plumbing. With 1,328 square feet above grade, a generous fenced lot, and convenient access to local colleges, shopping, dining, and everyday amenities, this property offers strong upside for buyers looking to customize and build equity.
Standout features identified
Our analysis highlights large fully fenced backyard, generous fenced lot, and attached garage as key attractions of this home.
Estimated monthly payment
Based on current rates
$856/month
Principal & Interest$683
Property Tax$130
Insurance$43
Down payment20% ($25,980)
3%50%
Est. 6.88% rate · 30yr fixed · $103,920 loan
Full calculator →At a glance
Key facts and listing details
TypeSingle Family Residence
Year Built1946
HeatingBoiler, Natural Gas
Parking1 Attached Garage space
Lot0.42 Acres
Days on Zillow78 Days
Price/sqft$98
Property
Home typeSingle Family
Sub-typeSingle Family Residence
StyleRanch
Year built1946
Stories1
Systems
HeatingBoiler, Natural Gas
ConstructionVinyl Siding
Water / SewerPublic / Public At Street
Parking & Outdoor
Parking2 Spaces, Attached
Garage1 spaces
BasementUnfinished
FencingFenced
Lot0.42 Acres
Location & Tax
Neighborhood48706
Annual tax$2,695
Parcel10003820051000
Bathrooms & Fees
Full baths2
Features & details
5 categories of property features
Interior Features
Appliances
Gas Water Heater
Heating
Boiler
Natural Gas
Exterior Features
Parking
2 Spaces
Attached
Construction
Vinyl Siding
Other Structures
Shed(s)
Room details
9 rooms detailed
Bedroom1
First13×11 ft143 sqft
Bedroom2
First12×10 ft120 sqft
Bedroom3
Second19×10 ft190 sqft
Bedroom4
Second15×13 ft195 sqft
Bathroom1
FirstBathroom2
BasementListing insights
Market data and value estimates
StatusFor Sale
Days on market78
Est. rent$1,664/mo
Tax rate1.41%
Price/sqft$98
On marketJan 19, 2026
PostedJan 19, 2026
Last sold$114,000
MLS updatedMar 25, 2026
Tour days9
Views856
Favorites30
How are the schools in Bay City?
3 schools rated nearby
Location
Bay City, MI, 48706
Price history
22 events
DateEventPrice$/sqftSource
Mar 25, 2026Price Change$129,900$98MiRealSource
Jan 28, 2026Price Change$139,900$105MiRealSource
Jan 19, 2026Listed For Sale$145,000$109MiRealSource
Oct 20, 2023Sold$114,000$86MiRealSource
Aug 20, 2023Pending Sale$118,000$89RE/MAX of Michigan
Aug 20, 2023Contingent$118,000$89MiRealSource
Aug 9, 2023Price Change$118,000$89MiRealSource
Jul 27, 2023Price Change$119,000$90MiRealSource
Jul 20, 2023Price Change$120,000$90MiRealSource
Jul 16, 2023Price Change$121,000$91MiRealSource
Jul 11, 2023Price Change$123,000$93MiRealSource
Jul 6, 2023Price Change$125,000$94MiRealSource
Jun 26, 2023Price Change$128,000$96MiRealSource
Jun 16, 2023Price Change$129,000$97MiRealSource
Sep 26, 2022Pending Sale$115,000$87MiRealSource
Jul 18, 2022Listed For Sale$115,000$87MiRealSource
Jul 18, 2019Sold$88,500$67Public Record
Feb 1, 2011Sold$25,000$19Public Record
Dec 9, 2010Price Change$32,000$24foreclosure.com
Nov 2, 2010Price Change$39,900$30foreclosure.com
Oct 23, 2010Listed For Sale——foreclosure.com
Sep 21, 2010Sold$76,500$58Public Record
Price Change$129,900
Mar 25, 2026•$98/sqft•MiRealSource
Price Change$139,900
Jan 28, 2026•$105/sqft•MiRealSource
Listed For Sale$145,000
Jan 19, 2026•$109/sqft•MiRealSource
Sold$114,000
Oct 20, 2023•$86/sqft•MiRealSource
Pending Sale$118,000
Aug 20, 2023•$89/sqft•RE/MAX of Michigan
Contingent$118,000
Aug 20, 2023•$89/sqft•MiRealSource
Price Change$118,000
Aug 9, 2023•$89/sqft•MiRealSource
Price Change$119,000
Jul 27, 2023•$90/sqft•MiRealSource
Price Change$120,000
Jul 20, 2023•$90/sqft•MiRealSource
Price Change$121,000
Jul 16, 2023•$91/sqft•MiRealSource
Price Change$123,000
Jul 11, 2023•$93/sqft•MiRealSource
Price Change$125,000
Jul 6, 2023•$94/sqft•MiRealSource
Price Change$128,000
Jun 26, 2023•$96/sqft•MiRealSource
Price Change$129,000
Jun 16, 2023•$97/sqft•MiRealSource
Pending Sale$115,000
Sep 26, 2022•$87/sqft•MiRealSource
Listed For Sale$115,000
Jul 18, 2022•$87/sqft•MiRealSource
Sold$88,500
Jul 18, 2019•$67/sqft•Public Record
Sold$25,000
Feb 1, 2011•$19/sqft•Public Record
Price Change$32,000
Dec 9, 2010•$24/sqft•foreclosure.com
Price Change$39,900
Nov 2, 2010•$30/sqft•foreclosure.com
Listed For Sale—
Oct 23, 20100•foreclosure.com
Sold$76,500
Sep 21, 2010•$58/sqft•Public Record
Tax history
24 years of records
YearTax paidAssessed value
Apr 8, 2024$1,945$71,800
Apr 8, 2023—$64,700
Apr 8, 2022—$51,000
Apr 8, 2021—$46,700
Apr 8, 2020$2,085$46,500
Apr 8, 2019—$41,400
Apr 8, 2018$2,085$42,100
Apr 8, 2017$1,986$40,500
Apr 8, 2016$1,986$39,000
Apr 8, 2015$1,986$39,100
Apr 8, 2014$1,196$36,600
Apr 8, 2013—$35,700
Apr 8, 2012—$34,800
Apr 8, 2011—$36,700
Apr 8, 2010—$34,500
Apr 8, 2009—$34,500
Apr 8, 2008—$42,200
Apr 8, 2007—$37,100
Apr 8, 2006—$37,100
Apr 8, 2005—$36,900
Apr 8, 2004—$36,500
Apr 8, 2003—$36,000
Apr 8, 2002—$33,900
Apr 8, 2001—$32,300
Nearby homes
Neighborhood details
Local context around this listing
Bay City, MI • Bay County
Nearby cities
AuburnBangor TownshipBay CityEssexvilleFreelandHamptonLinwoodMonitor
Nearby zip codes
4863148706
Similar homes
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