For Sale55d on market
704 Bay Rd
Bay City, MI, 48706 • 48706 • Bay County
$175,000
$100/sqft
-$3,900 since Mar 9, 2026
Down payment assistance available
3Beds
2Baths
1,750Sqft
0.22 acLot
1940Built
Property DNA
Waterfront Property
Direct water access
Scenic Views
Water · Bay · Lake
Ranch Style
Built 1940 · 86 years of history
Saginaw Bay Estates
48706
Outdoor Living
Deck · Patio
Special Features
Shed(s) · Workshop
1-Car Garage
3 or More Spaces · Driveway · Attached
Ceramic Tile Floors
Quality flooring throughout
This home is getting attention
Listed 55 days ago · 3,660 views · 154 saves
Market activity
Demand and pricing signals for this listing
3,660 views
People checking out this listing
154 saves
Buyers have saved this home
55 days on market
Established listing
$100/sqft
Price per square foot
About this home
Single Family · Built 1940
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.
Standout features identified
Our analysis highlights storage shed, en-suite bath, and cathedral ceilings as key attractions of this home.
Estimated monthly payment
Based on current rates
$1,153/month
Principal & Interest$920
Property Tax$175
Insurance$58
Down payment20% ($35,000)
3%50%
Est. 6.88% rate · 30yr fixed · $140,000 loan
Full calculator →At a glance
Key facts and listing details
TypeSingle Family Residence
Year Built1940
HeatingForced Air, Natural Gas
CoolingWindow Unit(s)
Parking1 Attached Garage space
Lot9,583 sqft
Days on Zillow55 Days
Price/sqft$100
Property
Home typeSingle Family
Sub-typeSingle Family Residence
StyleRanch
Year built1940
Stories1
Systems
HeatingForced Air, Natural Gas
CoolingWindow Unit(s)
ConstructionAluminum Siding, Vinyl Siding
Water / SewerPublic / Public Sanitary
Parking & Outdoor
Parking3 or More Spaces, Driveway, Attached
Garage1 spaces
BasementNone
FencingFenced
Lot9,583 sqft
Location & Tax
Neighborhood48706
Annual tax$3,153
Parcel010A1600008400
Bathrooms & Fees
Full baths2
Features & details
13 categories of property features
Interior Features
Interior
High Ceilings
Cathedral/Vaulted Ceiling
Appliances
Microwave
Range/Oven
Refrigerator
Electric Water Heater
Flooring
Ceramic Tile
Vinyl
Carpet
Heating
Forced Air
Natural Gas
Cooling
Window Unit(s)
Accessibility
Accessible Common Area
Green/Energy
Appliances
Exterior Features
Parking
3 or More Spaces
Driveway
Attached
Construction
Aluminum Siding
Vinyl Siding
Patio & Porch
Deck
Patio
Lot Features
Large Lot - 65+ Ft.
Subdivision
Views
Water
Bay
Lake
Other Structures
Shed(s)
Workshop
Room details
8 rooms detailed
Bedroom1
First15×12 ft180 sqft
Vinyl
Bedroom2
First11×9 ft99 sqft
Carpet
Bedroom3
First7×9 ft63 sqft
Carpet
Bathroom1
First8×6 ft48 sqft
Tile
Bathroom2
First5×10 ft50 sqft
Tile
Dining Room
First11×8 ft88 sqft
Listing insights
Market data and value estimates
StatusFor Sale
Days on market55
Est. value$170,700
Est. rent$1,589/mo
Tax rate1.41%
Price/sqft$100
On marketFeb 11, 2026
PostedFeb 11, 2026
Last sold$160,000
MLS updatedMar 9, 2026
Tour days9
Views3,660
Favorites154
How are the schools in Bay City?
3 schools rated nearby
Location
Bay City, MI, 48706
Price history
28 events
DateEventPrice$/sqftSource
Mar 9, 2026Price Change$175,000$100MiRealSource
Feb 11, 2026Listed For Sale$178,900$102MiRealSource
Feb 5, 2026Listing Removed$182,500$104eXp Realty
Jan 22, 2026Price Change$182,500$104MiRealSource
Nov 24, 2025Listed For Sale$184,900$106MiRealSource
May 8, 2024Listing Removed——Realcomp II
Apr 5, 2024Price Change$167,000$95MiRealSource
Mar 19, 2024Price Change$170,000$97MiRealSource
Mar 6, 2024Price Change$172,000$98MiRealSource
Feb 5, 2024Listed For Sale$175,000$100MiRealSource
Dec 2, 2022Listing Removed——Realcomp II
Nov 9, 2022Price Change$167,000$95MiRealSource
Oct 20, 2022Price Change$170,000$97MiRealSource
Oct 6, 2022Price Change$175,000$100MiRealSource
Sep 26, 2022Price Change$180,000$103MiRealSource
Sep 13, 2022Listed For Sale$182,000$104MiRealSource
Apr 4, 2022Sold$160,000$91Realcomp II
Mar 23, 2022Pending Sale$189,999$109Realcomp II
Mar 21, 2022Price Change$189,999$109Realcomp II
Feb 20, 2022Pending Sale$149,900$86Realcomp II
Feb 17, 2022Price Change$149,900$86Realcomp II
Feb 15, 2022Price Change$179,000$102Realcomp II
Feb 11, 2022Price Change$159,999$91Realcomp II
Feb 7, 2022Price Change$181,000$103Realcomp II
Jan 28, 2022Listed For Sale$169,599$97Realcomp II
Aug 25, 2017Sold$21,200$12MiRealSource
Jun 3, 2013Sold$77,894$45Public Record
Aug 19, 2005Sold$67,933$39Public Record
Price Change$175,000
Mar 9, 2026•$100/sqft•MiRealSource
Listed For Sale$178,900
Feb 11, 2026•$102/sqft•MiRealSource
Listing Removed$182,500
Feb 5, 2026•$104/sqft•eXp Realty
Price Change$182,500
Jan 22, 2026•$104/sqft•MiRealSource
Listed For Sale$184,900
Nov 24, 2025•$106/sqft•MiRealSource
Listing Removed—
May 8, 2024•Realcomp II
Price Change$167,000
Apr 5, 2024•$95/sqft•MiRealSource
Price Change$170,000
Mar 19, 2024•$97/sqft•MiRealSource
Price Change$172,000
Mar 6, 2024•$98/sqft•MiRealSource
Listed For Sale$175,000
Feb 5, 2024•$100/sqft•MiRealSource
Listing Removed—
Dec 2, 2022•Realcomp II
Price Change$167,000
Nov 9, 2022•$95/sqft•MiRealSource
Price Change$170,000
Oct 20, 2022•$97/sqft•MiRealSource
Price Change$175,000
Oct 6, 2022•$100/sqft•MiRealSource
Price Change$180,000
Sep 26, 2022•$103/sqft•MiRealSource
Listed For Sale$182,000
Sep 13, 2022•$104/sqft•MiRealSource
Sold$160,000
Apr 4, 2022•$91/sqft•Realcomp II
Pending Sale$189,999
Mar 23, 2022•$109/sqft•Realcomp II
Price Change$189,999
Mar 21, 2022•$109/sqft•Realcomp II
Pending Sale$149,900
Feb 20, 2022•$86/sqft•Realcomp II
Price Change$149,900
Feb 17, 2022•$86/sqft•Realcomp II
Price Change$179,000
Feb 15, 2022•$102/sqft•Realcomp II
Price Change$159,999
Feb 11, 2022•$91/sqft•Realcomp II
Price Change$181,000
Feb 7, 2022•$103/sqft•Realcomp II
Listed For Sale$169,599
Jan 28, 2022•$97/sqft•Realcomp II
Sold$21,200
Aug 25, 2017•$12/sqft•MiRealSource
Sold$77,894
Jun 3, 2013•$45/sqft•Public Record
Sold$67,933
Aug 19, 2005•$39/sqft•Public Record
Tax history
24 years of records
YearTax paidAssessed value
Apr 8, 2024$1,580$45,900
Apr 8, 2023—$40,050
Apr 8, 2022—$35,550
Apr 8, 2021—$33,300
Apr 8, 2020$1,599$30,750
Apr 8, 2019—$27,100
Apr 8, 2018$1,599$28,400
Apr 8, 2017—$28,350
Apr 8, 2016—$26,850
Apr 8, 2015—$25,050
Apr 8, 2014—$22,950
Apr 8, 2013—$22,800
Apr 8, 2012—$22,600
Apr 8, 2011—$23,400
Apr 8, 2010—$26,500
Apr 8, 2009—$32,650
Apr 8, 2008—$36,900
Apr 8, 2007—$34,100
Apr 8, 2006—$34,100
Apr 8, 2005—$32,350
Apr 8, 2004—$32,350
Apr 8, 2003—$31,850
Apr 8, 2002—$31,650
Apr 8, 2001—$30,850
Nearby homes
Neighborhood details
Local context around this listing
Bay City, MI • Bay County
Nearby cities
AuburnBangor TownshipBay CityEssexvilleFreelandHamptonLinwoodMonitor
Nearby zip codes
48706
Similar homes
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