309 Spruce Street Bay City, MI ^$ 44,900

309 Spruce Street

^$ 44,900

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Recently Listed

309 Spruce Street

Bay City, MI, 48706

^$ 44,900

Bedrooms3 Baths1.0 Sq 1,098

Monthly Estimate*

^$ 276

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Single Family Home for sale in Bay City, MI

for $44,900 with 3 bedrooms and 1 full bath. This 1,098 square foot home was built in 1900 on a lot size of 0.08.

Great opportunity for investors looking to add value. This traditional ranch home offers approximately 1,280 sq ft with 3 bedrooms and 1 full bath. The property features a full basement and sits on a city lot with paved access and public utilities including water and sewer.Solid structure with classic layout and strong potential for renovation, rental income, or resale. Convenient location within Bay City with easy access to major roads, schools, and local amenities.

Single Family Active

Price

^$ 44,900

Bedrooms

Full Bath

Property Type

Single Family

Taxes

^$ 210

Style

Lot Size

0.08

Year Built

1900

Town/City

Bay City

County/Region

Bay

MLS | Web ID

70528164

Features

General

Heating Forced Air

Kitchen Level Main

Water Public Water

Status Active Active

Full Baths 1

Half Baths 0

Bathrooms 1

Year Built 1900

County Bay

Class RESIDENTIAL

Type Single Family

Municipality Bay City

New Construction Y/N No

Subdivision MI

Sale/Rent For Sale

Status Detail 0

Structure Style 1 Story

Area Bay City (09016)

Primary City Bay City

Directions From US-10 take exit for N Johnson St head north turn east on Spruce St to property.

City Bay City

Financial Terms Cash

Legal Description W 2/3 OF LOT 6 BLK 4 WEBSTERS 2ND ADD TO W BC

DOM 1

Postal Code 48706

Price Per Sq Ft Total AG 40.89

Public Remarks Great opportunity for investors looking to add value. This traditional ranch home offers approximately 1

Exterior

Exterior Vinyl Siding

Frontage 33

Lot Size Area 0.08

Pool (Y/N) No

Lot Dimensions 33x100

Waterfront Y/N No

Interior

Bedroom 3 Level Main

Bedroom 2 Level Main

Beds 3

Fireplace? No

Total Rooms 5

* Excluded Features

List By

David Whitehead

Listing Agent

Re/Max Harbor Country @ New Buffalo

Broker

dwhitehead1@gmail.com

Affordability Calculator

$294

Per Month

Monthly Principal & Interest: $276
Monthly Property Taxes: $18
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 ^$200,340

Percent of Sale Price 346%

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.

760529 Elementary School

760235 Middle School

Unknown High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
4/28/2026	$44,900		Listed Price

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309 Spruce Street, Bay City, MI, 48706 is a Single Family Home for sale at $44,900 with 1,098 sqft and a lot size of 0.08. 309 Spruce Street has 3 bedrooms, 1.0 baths, and was built in 1900. 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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309 Spruce Street

Single Family Home for sale in Bay City, MI

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