3102 N Water Street Bay City, MI ^$ 79,900

3102 N Water Street

^$ 79,900

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3102 N Water Street

Bay City, MI, 48708

^$ 79,900

Bedrooms3 Baths1.0 Sq 1,914

Monthly Estimate*

^$ 492

3102 N Water Street, Bay City, MI 48708 - Image 1

3102 N Water Street, Bay City, MI 48708 - Image 2

3102 N Water Street, Bay City, MI 48708 - Image 3

3102 N Water Street, Bay City, MI 48708 - Image 4

3102 N Water Street, Bay City, MI 48708 - Image 5

3102 N Water Street, Bay City, MI 48708 - Image 6

3102 N Water Street, Bay City, MI 48708 - Image 7

3102 N Water Street, Bay City, MI 48708 - Image 8

3102 N Water Street, Bay City, MI 48708 - Image 9

3102 N Water Street, Bay City, MI 48708 - Image 10

Single Family Home for sale in Bay City, MI

for $79,900 with 3 bedrooms and 1 full bath. This 1,914 square foot home was built in 1900 on a lot size of 0.4.

Very spacious 2-story, 3 bedroom home situated on a generous size lot in Bay City! With some TLC, this home has tons of potential and presents the perfect opportunity to build equity with some elbow grease and updates, and the bonus rooms offer potential for additional bedrooms.

Single Family Active

Price

^$ 79,900

Bedrooms

Full Bath

Property Type

Single Family

Taxes

^$ 2,657

Style

Traditional

Lot Size

0.4

Year Built

1900

Town/City

Bay City

County/Region

Bay

MLS | Web ID

61050198858

Features

General

Sewer PublicSewer

Heating ForcedAir NaturalGas

Possession AtClose

Garage Spaces 0.0

Patio/Porch Features Porch

Architectural Style Traditional

Pool Features None

Construction Materials ShingleSiding

Year Built 1900

Levels Two

Property Subtype SingleFamilyResidence

Tax Year 2025

County Bay

New Construction N

Property Type Residential

HOA Y

Attached Garage N

Subdivision Name WILLIAM GALARNO'S ADDITION

Garage Y/N N

Total Rooms 7

Full Baths 1

Status Active

City BayCityCity_Bay

Disclosures TaxesNotHomesteadExempt

Senior Community Y/N N

High School District BayCity

Zoning Description Residential

MLS Area Area92102BayCity

Carport Y/N N

Land Lease Y/N N

Tax Annual Amount 2657.33

Home Warranty Y/N N

Lease Renewal Y/N N

Additional Parcels Y/N N

Lease Considered Y/N N

Rent Control Y/N N

Standard Status Active

Tax Assessed Value 27652

Ownership Type LLC

Legal Description LOTS 4 5 & E 2 FT OF LOT 6 ALSO N 1/2 OF VAC ALLEY ADJ THRTO BLK 7 WILLIAM GALARNO'S ADD (SPLIT OFF -010 FOR 95)

Interior

Basement Partial

Basement (Y/N) Y

Air Conditioning Y/N N

Heating Y/N Y

Fireplace Y/N N

Above Grade Finished Area 1914.0

Total Bedrooms 3

Below Grade Finished Area 0.0

Above Grade Finished Area Source PublicRecords

Above Grade Finished Area Unit Type SquareFeet

Total Baths 1

Exterior

Fencing Fenced

Lot Features CityLot

Water Source Public

Foundation Details Basement CrawlSpace

Spa N

Lot Dimensions 102x110

Lot Size Acres 0.4

Waterfront Y/N N

Crops Included Y/N N

Road Responsibility PublicMaintainedRoad

Horse Y/N N

Irrigation Water Rights Y/N N

Internal Only

Street Number 1 3102

* Excluded Features

List By

Dona Czapp

Listing Agent

Valley Real Estate

Broker

(989) 233-1343

Phone

Affordability Calculator

$713

Per Month

Monthly Principal & Interest: $492
Monthly Property Taxes: $221
Monthly Home Insurance: --

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Down Payment

Loan Term

Interest Rate

Yearly Property Taxes

Yearly Home Insurance

Default based on a 30-year fixed rate of 6.25% 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.

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Nearby

Trends
Schools

Single family listings in Bay City, MI

Average List Price ^$198,353

Percent of Sale Price 148%

About Bay City, MI

33,471 Population

-9% Since 2002

^$35,448 Median Income

36.94 Median Age

28% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

4909319 Elementary School

4909818 Middle School

Unknown High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
2/20/2026	$79,900	-10.22%	Price Down
2/5/2026	$89,000		Listed Price

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3102 N Water Street, Bay City, MI, 48708 is a Single Family Home for sale at $79,900 with 1,914 sqft and a lot size of 0.4. 3102 N Water Street has 3 bedrooms, 1.0 baths, and was built in 1900. The property's zip code is 48708 which is in Bay City, MI

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.25% 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.

The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data is updated as of 3/4/2026.

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3102 N Water Street

Single Family Home for sale in Bay City, MI

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