1111 N Water Street # 403
Bay City, MI, 48708 $ 1,195,000
Bedrooms4 Baths4.1 Sq 4,617 Monthly Estimate*
$ 7,455
for $1,195,000 with 4 bedrooms and 4 full baths, 1 half bath. This 4,617 square foot condo was built in 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 deskâperfect 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 entertainerâs dream: a fully outfitted gourmet kitchen designed with professional functionality in mind. It includes a hidden butlerâs 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 dishwasherâperfect 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 freightersâideal for hosting guests at sunset or enjoying tranquil mornings by the water. A unique feature of this penthouse is its dual-entry layout. In addition to the main entrance, a secondary, private entry leads to a distinct section of the home that can be closed off entirelyâan ideal setup for live-in staff, guests, in-laws, a nanny, or catering teams. This thoughtful layout offers true flexibility without compromising the flow or luxury of the residence. Additional amenities include four dedicated parking spaces, generous private storage, and the largest boat slip in the communityâperfect for housing your personal watercraft. Residents enjoy access to beautifully maintained common areas, including an elegant lobby and inviting shared spaces that includes a large event space with attached catering kitchen, a club room and a library. This one-of-a-kind penthouse offers the perfect blend of sophistication, flexibility, and stunning sceneryâa rare opportunity for luxury living in the heart of Bay City. Available for exclusive in-person tours for pre-qualified buyers.
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FeaturesInteriorInterior Amenities Walk-In Closet Wet Bar/Bar
Dining Room Level Main
Basement Common
Bedroom 3 Level Main
Bedroom 1 Level Main
Bedroom 2 Level Main
Beds 4
Fireplace? Yes
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GeneralHeating Forced Air
Kitchen Level Main
Cooling Central A/C
Possession Negotiable (Possession)
Fireplaces FamRoom Fireplace LivRoom Fireplace
Garage Attached Garage Gar Door Opener
Water Public Water
Appliances Bar-Refrigerator Dishwasher Disposal Dryer Microwave Range/Oven Refrigerator Washer
Status Active Active
Full Baths 4
Half Baths 1
Bathrooms 5
Year Built 2007
Parking 3 or More Spaces Garage
Subdivision Boathouse Condominiums MI
Style Other
County Bay
Class RESIDENTIAL
Type Condominium
Ownership Private
Municipality Bay City
New Construction Y/N No
Sale/Rent For Sale
Status Detail 0
Flood Insurance Not Required
Structure Style Condo/Apt 2nd Flr or Above
Area Bay City (09016)
Primary City Bay City
Virtual Tour https://www.vr-360-tour.com/e/PgYBmBJtgWo/e?accessibility=false&dimensions=false&hide_background_audio=true&hide_e3play=true&hide_logo=true&hide_nadir=true&hidelive=true&share_button=false&t_3d_model_
City Bay City
School District Bay City School District
Financial Terms Cash Conventional FHA
Legal Description UNIT #403 & #404 BOATHOUSE CONDOMINIUMS BAY COUNTY CONDOMINIUM SUBDIVISION PLAN #58 LIBER 2354
DOM 79
Postal Code 48708
Price Per Sq Ft Total AG 258.83
Public Remarks 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
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ExteriorExterior Brick Shingle Siding
Exterior Amenities Exterior Balcony
Body of Water Saginaw River
Flood Plan None
Lot Size Area 0
Pool (Y/N) No
Lot Dimensions 0
OUT BUILDINGS Gazebo
Water Features Lake/River Access River Frontage Water View Waterfront
Roads Paved Street
Waterfront Y/N Yes
Frontage Type Water
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* Excluded FeaturesList ByCentury 21 Signature Realty MidlandBroker
KARAH@KARAHRALPH.COMEmail
Affordability Calculator
- Monthly Principal & Interest
- $7,455
- Monthly Property Taxes
- $1,951
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbyCondo listings in Bay City, MI
Average List Price $427,394
Percent of Sale Price 64%
About Bay City, MI 33,471 Population
-9% Since 2002
$ 35,448 Median Income
36.94 Median Age
28% Households with Children
Trends Information provided by ATTOM Data Solutions.
759950 Elementary School
760432 Middle School
Unknown High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 7/31/2025 | $1,195,000 | | Listed Price |