427 James Street Bay City, MI ^$ 124,900

427 James Street

^$ 124,900

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427 James Street

Bay City, MI, 48706

^$ 124,900

Bedrooms3 Baths1.0 Sq 1,088

Monthly Estimate*

^$ 769

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Single Family Home for sale in Bay City, MI

for $124,900 with 3 bedrooms and 1 full bath. This 1,088 square foot home was built in 1942 on a lot size of 0.11.

Absolutely adorable and well-maintained 3-bedroom, 1-bath Cape Cod located in the Banks on Bay Cityâs westside. This home offers excellent curb appeal with front porch, vinyl siding, vinyl windows, updated roof, and a new vinyl privacy fence with gate. Inside youâll find updated flooring, and a beautiful full bath with ceramic tile floor. The eat-in kitchen features recessed lighting and ample space for everyday dining. The wide-open half-story upper level provides flexible space ideal for a bedroom, office, or bonus room. Enjoy outdoor living on the back deck overlooking the fully fenced backyard. Additional highlights include a full basement, boiler furnace, and updated plumbing. A truly move-in-ready home and just a 4 minute walk to Linsday Elementary!

Single Family Pending

Price

^$ 124,900

Bedrooms

Full Bath

Property Type

Single Family

Taxes

^$ 2,164

Style

Cape Cod

Lot Size

0.11

Year Built

1942

Town/City

Bay City

County/Region

Bay

MLS | Web ID

50199579

Features

Interior

Interior Amenities Ceramic Floors Hardwood Floors

Basement Block Full

Bedroom 3 Level Second

Bedroom 1 Level Main

Bedroom 2 Level Main

Beds 3

Fireplace? No

General

Heating Boiler

Kitchen Level Main

Possession Negotiable (Possession)

Water Public Water

Status Pending Pending

Full Baths 1

Half Baths 0

Bathrooms 1

Year Built 1942

Subdivision Banks MI

Water Heater Gas

Style Cape Cod

County Bay

Class RESIDENTIAL

Type Single Family

Ownership Private

Municipality Bay City

Sale/Rent For Sale

Status Detail 0

Structure Style 1 1/2 Story

Area Bay City (09016)

Primary City Bay City

City Bay City

School District Bay City School District

Financial Terms Cash Conventional FHA

Legal Description LOT 5 BLK 2 MILLER PARK ADD TO BC

DOM 3

Postal Code 48706

Price Per Sq Ft Total AG 114.8

Public Remarks Absolutely adorable and well-maintained 3-bedroom 1-bath Cape Cod located in the Banks on Bay Cityâs westside. This home offers excellent curb appeal with front porch vinyl siding vinyl windows

Exterior

Exterior Vinyl Siding

Exterior Amenities Deck Fenced Yard Porch

Frontage 50

Lot Size Area 0.11

Pool (Y/N) No

Lot Dimensions 50 x 100

OUT BUILDINGS Shed

Waterfront Y/N No

Frontage Type Road

* Excluded Features

List By

Clay Hollister

Listing Agent

Berkshire Hathaway Homeservices, Bay City

Broker

clayhollister@gmail.com

Affordability Calculator

$949

Per Month

Monthly Principal & Interest: $769
Monthly Property Taxes: $180
Monthly Home Insurance: --

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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 ^$191,898

Percent of Sale Price 54%

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.

759950 Elementary School

760432 Middle School

Unknown High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
2/17/2026	$124,900		Listed Price

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427 James Street, Bay City, MI, 48706 is a Single Family Home for sale at $124,900 with 1,088 sqft and a lot size of 0.11. 427 James Street has 3 bedrooms, 1.0 baths, and was built in 1942. The property's zip code is 48706 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.

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427 James Street

Single Family Home for sale in Bay City, MI

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