21 COVE Drive
Bay City, MI, 48706 $ 649,900
Bedrooms4 Baths3.1 Sq 2,565 Monthly Estimate*
$ 4,002
for $649,900 with 4 bedrooms and 3 full baths, 1 half bath. This 2,565 square foot condo was built in 2024.
One-of-a-kind waterfront living awaits in this exceptional custom-built luxury condo, perfectly positioned along the Saginaw River with breathtaking views of Wheelerâs Landing Marina. Completed in late 2024 with impeccable craftsmanship and thoughtful design, this newly constructed residence offers refined riverfront living within one of the areaâs most exciting waterfront communities. Designed with barrier-free accessibility and energy-certified construction, this home seamlessly blends elegance, comfort, and efficiency. The sophisticated designer kitchen is both beautiful and functional, featuring granite countertops, a spacious center island with seating, stainless steel appliances including refrigerator, range, microwave, and dishwasher, plus four Philippe Starck pendant lights imported from Italy. A large pantry and coat closet enhance everyday convenience, while rich vinyl plank flooring flows throughout both levels, complementing the homeâs modern contemporary style. The expansive open-concept living area is designed to impress with an acoustic feature wall, dedicated HiFi amplifier circuit, TV conduit chase, and fireplace feature wall. Floor-to-ceiling sightlines showcase uninterrupted marina and river views, while abundant natural light fills the space. The living area opens to a covered waterfront patio with ceiling fan, creating the perfect setting for relaxing or entertaining. Additional storage beneath the staircase adds practicality without sacrificing design. The main-floor primary suite offers stunning waterfront views, oversized windows, a spacious walk-in closet, and a beautifully appointed three-piece ensuite with walk-in shower. A conveniently located half bath and main-floor laundry add to the homeâs thoughtful layout. Upstairs, a second luxurious primary suite features its own walk-in closet, elegant four-piece ensuite bath, and private balcony overlooking both the marina and river, offering spectacular sunrise and sunset views. Two additional generously sized bedrooms with built-in closets, another beautifully finished four-piece bath, and a second-floor laundry/storage room with GE Profile UltraFast washer/dryer combo provide exceptional comfort and convenience. An additional custom-finished 13x9 storage room offers rare extra space seldom found in condo living. Every room is equipped with Cat 6 LAN wiring and upgraded Decora switches throughout. Additional highlights include a finished 2.5-car attached garage with window, utility room, 96% high-efficiency gas furnace, A/C, energy-efficient insulated windows, high-performance cellulose insulation system, attic storage, and water heater. Built with exceptional attention to detail, quality, and comfort, this remarkable waterfront residence offers the rare advantage of new construction without the wait or expense of building. An added financial benefit, the home qualifies for the Neighborhood Enterprise Zone program, offering approx. 50% off property taxes for up to 14 years.
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FeaturesInteriorInterior Amenities Bay Window Cable/Internet Avail. Walk-In Closet Window Treatment(s)
Dining Room Level Main
Bedroom 3 Level Second
Bedroom 1 Level Main
Bedroom 2 Level Second
Beds 4
Fireplace? Yes
Total Rooms 14
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GeneralHeating Forced Air
Kitchen Level Main
Cooling Central A/C
Possession Negotiable (Possession)
Fireplaces Gas Fireplace LivRoom Fireplace
Garage Attached Garage Electric in Garage Gar Door Opener Direct Access
Water Public Water
Appliances Dishwasher Dryer Microwave Range/Oven Refrigerator Washer
Status Active Active
Full Baths 3
Half Baths 1
Bathrooms 4
Year Built 2024
Parking 2 Spaces Garage
Pets Allowed Yes
Subdivision IRON BRIDGE MI
Water Heater Gas
Style Traditional
County Bay
Class RESIDENTIAL
Type Condominium
Ownership Private
Association Name IRON BRIDGE CONDOMINIUM ASSOCIATION
Municipality Bay City
Electric Circuit Breakers
Zoning Residential
Sale/Rent For Sale
Status Detail 0
Utilities Cable Connected Electricity Connected Natural Gas Connected Sewer Connected Water Connected Internet Spectrum
Green Features Appliances Construction Doors HVAC Insulation Roof Windows
HOA Fee Includes HOA Maintenance Grounds Snow Removal Maintenance Structure
Structure Style 2 Story
Area Bay City (09016)
Primary City Bay City
Directions NEXT TO WHEELERS LANDING MARINA IS IRON BRIDGE CONDOâS DRIVE IN AND CONDO IS ON THE LEFT WATER FRONT AND MARINA VIEW.
City Bay City
School District Bay City School District
Financial Terms Cash Conventional
Legal Description UNIT #21 IRON BRIDGE AT WHEELER LANDING PER AMENDED 2024 MASTER DEED (DOCUMENT NUMBER 202400287) REPLAT NO. 2 BAY COUNTY CONDOMINIUM SUBDIVISION PLAN #59 (SPLIT FROM -001 FOR 2006)*** SPLIT FROM PAREN
DOM 5
Postal Code 48706
Price Per Sq Ft Total AG 253.37
Public Remarks One-of-a-kind waterfront living awaits in this exceptional custom-built luxury condo
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ExteriorExterior Stone Vinyl Siding Vinyl Trim
Exterior Amenities Exterior Balcony Deck Lawn Sprinkler Patio Porch Storms/Screens
Body of Water SAGINAW RIVER
Pool (Y/N) No
Water Features River Frontage Water View Waterfront
Roads City/County Paved Street Private w/association
Waterfront Y/N Yes
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* Excluded FeaturesList ByJean Ann Styn-DeShanoListing Agent
remaxjeanann@gmail.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $4,002
- Monthly Property Taxes
- $66
- 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.
Learn more about how to save NearbyCondo listings in Bay City, MI
Average List Price $449,084
Percent of Sale Price 31%
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 |
|---|
| 5/7/2026 | $649,900 | | Listed Price |