For Sale208d on market
1111 N Water St
Bay City, MI, 48708 • 48708 • Bay County
$1,195,000
$259/sqft
-$296,000 since Jan 17, 2026
Down payment assistance available
4Beds
5Baths
4,617Sqft
2007Built
Property DNA
On the Saginaw River
Lake Privileges, River Front, Waterfront
Other Style
Built 2007 · 19 years of history
BOATHOUSE CONDOMINIUMS
Boat Dock · Storage
Gazebo
Gazebo
4-Car Garage
Assigned 2 Spaces · Four Car Garage · Attached · Garage · Garage Door Opener
Premium Finishes
Walk In Closets
$650/mo HOA
Boat Dock · Storage
This home is getting attention
Listed 208 days ago · 515 views · 7 saves
Market activity
Demand and pricing signals for this listing
515 views
People checking out this listing
7 saves
Buyers have saved this home
208 days on market
Established listing
$259/sqft
Price per square foot
About this home
Condo · Built 2007
Welcome to a rare opportunity to own one of Bay City's most distinguished waterfront residences. This remarkable penthouse spans over 4,600 square feet of impeccably designed living space, featuring timeless finishes, exceptional craftsmanship, and sweeping views of the Saginaw River. With 4 bedrooms and 5 bathrooms, the residence is anchored by a luxurious primary suite offering private balcony access, a custom walk-in closet, and a distinctive his-and-her bathroom layout. For added indulgence, a private steam room provides the perfect space to unwind and rejuvenate. One of the bedrooms serves as a beautifully designed art studio, featuring a built-in sink, custom cabinetry, and a spacious work desk-perfect for artists, hobbyists, or anyone seeking a serene and functional creative space within the comfort of home. From the moment you enter through the custom mahogany front door, you're greeted by soaring ceilings and intricate woodwork throughout. The heart of the home is a true entertainer's dream: a fully outfitted gourmet kitchen designed with professional functionality in mind. It includes a hidden butler's pantry with its own sink, stove, and storage, ideal for catering or staff. The kitchen can also be closed off entirely from the main living area for added discretion during events or gatherings. The adjacent bar is thoughtfully equipped with four refrigerated drawers, two freezer drawers, a wine refrigerator, and a second dishwasher-perfect for seamless entertaining on any scale. The residence offers both a formal living room and a separate family room, each with its own fireplace, creating multiple cozy and sophisticated gathering areas. A private office with balcony access offers a serene setting for remote work with inspiring waterfront views. The expansive balcony offers panoramic views of the Saginaw River, Liberty Bridge, and passing freighters-ideal for hosting guests at sunset or enjoying tranquil mornings by the water. A unique feature of this penthouse is its dual-entry layout. In additio
Estimated monthly payment
Based on current rates
$8,444/month
Principal & Interest$6,201
Property Tax$1,195
Insurance$398
HOA$650
Down payment20% ($239,000)
3%50%
Est. 6.75% rate · 30yr fixed · $956,000 loan
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At a glance
Key facts and listing details
TypeCondominium
Year Built2007
HeatingForced Air, Natural Gas
CoolingCentral Air
Parking4 Attached Garage spaces
HOA$650 monthly
Days on Zillow208 Days
Price/sqft$259
Property
Home typeCondo
Sub-typeCondominium
StyleOther
ConditionSite Condo
Year built2007
Stories1
Systems
HeatingForced Air, Natural Gas
CoolingCentral Air
ConstructionBrick, Shingle Siding
Water / SewerPublic / Public Sewer
Parking & Outdoor
ParkingAssigned 2 Spaces, Four Car Garage, Attached, Garage, Garage Door Opener
Garage4 spaces
BasementCommon
Lot0
Location & Tax
Neighborhood48708
Annual tax$23,408
Parcel16002117903800
Bathrooms & Fees
Full baths4
HOA$650/mo
Features & details
11 categories of property features
Interior Features
Interior
Entrance Foyer
Wet Bar
Walk In Closets
Appliances
Bar Fridge
Dishwasher
Disposal
Dryer
Microwave
Oven
Refrigerator
Range
Washer
Heating
Forced Air
Natural Gas
Cooling
Central Air
Fireplace
Family Room
Living Room
Exterior Features
Exterior
Balcony
Parking
Assigned 2 Spaces
Four Car Garage
Attached
Garage
Garage Door Opener
Construction
Brick
Shingle Siding
Lot Features
Water View
Pool Features
None
Other Structures
Gazebo
Room details
16 rooms detailed
Primary Bedroom
Main16×18 ft288 sqft
Bedroom2
Main16×14 ft224 sqft
Bedroom3
Main14×17 ft238 sqft
Bedroom4
Main17×12 ft204 sqft
Other
Main10×20 ft200 sqft
Other
Main10×20 ft200 sqft
Listing insights
Market data and value estimates
StatusFor Sale
Days on market208
Est. value$840,900
Est. rent$3,052/mo
Tax rate1.41%
Price/sqft$259
On marketJul 30, 2025
PostedSep 12, 2025
Last sold$350,000
MLS updatedJan 20, 2026
Tour days9
Views515
Favorites7
How are the schools in Bay City?
3 schools rated nearby
Location
Bay City, MI, 48708
Price history
16 events
DateEventPrice$/sqftSource
Mar 23, 2026Pending Sale$899,000$195Realcomp II
Jan 23, 2026Contingent$899,000$195Realcomp II
Jan 17, 2026Price Change$899,000$195Realcomp II
Dec 10, 2025Listed For Sale$1,195,000$259Realcomp II
Oct 17, 2025Pending Sale$1,195,000$259Realcomp II
Jul 30, 2025Listed For Sale$1,195,000$259Realcomp II
Feb 16, 2025Listing Removed$665,000$144MIDMLS
Sep 19, 2024Listed For Sale$665,000$144MIDMLS
Aug 18, 2024Listing Removed——Realcomp II
Aug 18, 2023Listed For Sale$599,999$130MiRealSource
Apr 16, 2021Sold$350,000$76RE/MAX of Michigan Solds
Oct 8, 2020Sold$400,000$87RE/MAX of Michigan Solds
Aug 28, 2020Listed For Sale$725,000$157Owner
Jul 19, 2018Listing Removed$1,348,000$292Best Real Estate-Janca & Associates
Jul 11, 2018Listed For Sale$1,348,000$292Best Real Estate-Janca & Associates
Oct 25, 2007Sold$390,000$84MiRealSource
Pending Sale$899,000
Mar 23, 2026•$195/sqft•Realcomp II
Contingent$899,000
Jan 23, 2026•$195/sqft•Realcomp II
Price Change$899,000
Jan 17, 2026•$195/sqft•Realcomp II
Listed For Sale$1,195,000
Dec 10, 2025•$259/sqft•Realcomp II
Pending Sale$1,195,000
Oct 17, 2025•$259/sqft•Realcomp II
Listed For Sale$1,195,000
Jul 30, 2025•$259/sqft•Realcomp II
Listing Removed$665,000
Feb 16, 2025•$144/sqft•MIDMLS
Listed For Sale$665,000
Sep 19, 2024•$144/sqft•MIDMLS
Listing Removed—
Aug 18, 2024•Realcomp II
Listed For Sale$599,999
Aug 18, 2023•$130/sqft•MiRealSource
Sold$350,000
Apr 16, 2021•$76/sqft•RE/MAX of Michigan Solds
Sold$400,000
Oct 8, 2020•$87/sqft•RE/MAX of Michigan Solds
Listed For Sale$725,000
Aug 28, 2020•$157/sqft•Owner
Listing Removed$1,348,000
Jul 19, 2018•$292/sqft•Best Real Estate-Janca & Associates
Listed For Sale$1,348,000
Jul 11, 2018•$292/sqft•Best Real Estate-Janca & Associates
Sold$390,000
Oct 25, 2007•$84/sqft•MiRealSource
Tax history
17 years of records
YearTax paidAssessed value
Apr 8, 2024$331$36,100
Apr 8, 2023—$40,950
Apr 8, 2022—$33,100
Apr 8, 2021—$12,750
Apr 8, 2020$292$12,950
Apr 8, 2019—$49,800
Apr 8, 2018$292$66,500
Apr 8, 2017$8,603$129,350
Apr 8, 2016$8,603$127,600
Apr 8, 2015$8,603$178,500
Apr 8, 2014——
Apr 8, 2013——
Apr 8, 2012——
Apr 8, 2011——
Apr 8, 2010——
Apr 8, 2009——
Apr 8, 2008——
Nearby homes
Neighborhood details
Local context around this listing
Bay City, MI • Bay County
Nearby cities
AuburnBangor TownshipBay CityEssexvilleFreelandHamptonLinwoodMonitor
Nearby zip codes
487064870748708
Similar homes
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