389 Ricoma Beach Road Bay City, MI $ 624,000
389 Ricoma Beach Road
$ 624,000
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389 Ricoma Beach Road

Bay City, MI, 48706
$ 624,000
Bedrooms4 Baths3.0 Sq 2,496

Monthly Estimate*

$ 3,842

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Single Family Home for sale in Bay City, MI

for $624,000 with 4 bedrooms and 3 full baths. This 2,496 square foot home was built in 1955 on a lot size of 0.26.

Experience bayfront living at its finest on Ricoma Beach. This stunning waterfront home offering breathtaking views of Lake Huron in Bangor Township. This beautifully updated home features 4 bedrooms and 3 full bathrooms, 2496 square feet, perfectly designed for both everyday living and hosting guests. The open kitchen is a standout, complete with granite countertops, stainless steel appliances, in-cabinet lighting, a large pantry, and new flooring that flows seamlessly throughout the home. The layout offers flexibility and comfort, with 1 bedroom on the main floor and 3 additional bedrooms upstairs. The spacious primary suite is a true retreat, featuring vaulted ceilings, a remodeled bathroom, and a private balcony overlooking the water, perfect for taking in the incredible views and soothing sounds of the waves. A gas fireplace anchors the inviting living room, while laundry rooms on both levels add convenience. Step outside and enjoy your own private paradise, where you can put your toes in the sand, relax on the beach, or entertain guests on the large concrete patio overlooking the water. The concrete patio doubles as a seawall. The fenced yard provides added privacy, and the two-car garage offers ample storage. An additional lot across the street provides extra space for parking or the potential for an outbuilding. With a separate upstairs entrance, the home is also ideal for multi-generational living or private guest quarters. Located within walking distance to Tobico Marsh Nature Area, this exceptional property combines natural beauty, modern updates, and versatile living in one incredible waterfront setting. Must see!

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Single Family Active

Price

$ 624,000

Bedrooms

4

Full Bath

3

Property Type

Single Family

Taxes

$ 6,290

Style

Traditional

Lot Size

0.26

Year Built

1955

Town/City

Bay City

County/Region

Bay

MLS | Web ID

61050202838

Features
Interior
Interior Amenities CathedralCeilings
Fireplace Features Gas LivingRoom
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Fireplace Y/N Y
Above Grade Finished Area 2496.0
Total Bedrooms 4
Below Grade Finished Area 0.0
Above Grade Finished Area Source PublicRecords
Above Grade Finished Area Unit Type SquareFeet
Total Baths 3
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General
Sewer PublicSewer
Heating ForcedAir NaturalGas
Cooling CeilingFans CentralAir
Possession ClosePlus16to29Days
Appliances Dishwasher Microwave Oven Refrigerator Range
Garage Spaces 2.5
Patio/Porch Features Deck Patio Porch
Architectural Style Traditional
Pool Features None
Construction Materials VinylSiding
Year Built 1955
Levels Two
Property Subtype SingleFamilyResidence
Waterfront Features AllSportsLake BeachAccess BeachFront LakeFront LakePrivileges Waterfront
County Bay
New Construction N
Property Type Residential
HOA Y
Attached Garage N
Subdivision Name NONE
Garage Y/N Y
Other Structures Sheds
Total Rooms 7
Full Baths 3
Status Active
City BangorCharterTownship_Bay
Disclosures TaxesHomesteadExempt
Senior Community Y/N N
High School District BayCity
Zoning Description Residential
MLS Area Area92101BangorTwp
Carport Y/N N
Land Lease Y/N N
Tax Annual Amount 6290.52
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
Virtual Tour https://my.matterport.com/show/?mls=1&m=4eML8oLxgVi
Standard Status Active
Tax Assessed Value 171915
Legal Description COM 122.69 FT E OF CEN OF SEC TH N 19D 05M W 1031.38 FT ALG NELY ROW LI D&MRR TH N 27D 08M W 1122.30 FT ALG SD ROW TO POB TH N 64D 22M E 139.86 FT TH N 49D 05M W 58.75 FT TH S 62D 57M W 117.85 FT TH
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Exterior
Exterior Amenities Balcony
Fencing Fenced
Parking Features TwoandHalfCarGarage Detached ElectricityinGarage Garage GarageDoorOpener
Lot Features WaterView
Water Source Public
Foundation Details CrawlSpace
Spa N
Lot Dimensions 59x140
Lot Size Acres 0.26
Road Surface Type Paved
Frontage Length 59
Frontage Type Waterfront
Waterfront Y/N Y
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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Internal Only
Street Number 1 389
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* Excluded Features
List By
Joe Karpuk

Listing Agent

Re/Max New Image

Broker

(989) 928-5882

Phone

Affordability Calculator

$4,366
Per Month
88%
12%
0%
Monthly Principal & Interest
$3,842
Monthly Property Taxes
$524
Monthly 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
4909319 Elementary School
4909818 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
3/30/2026$624,000 Listed Price

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389 Ricoma Beach Road, Bay City, MI, 48706 is a Single Family Home for sale at $624,000 with 2,496 sqft and a lot size of 0.26. 389 Ricoma Beach Road has 4 bedrooms, 3.0 baths, and was built in 1955. The property's zip code is 48706 which is in Bay City, MI