604 Bay St, Petoskey, MI, 49770
About This Home
604 Bay St. in Petoskey, Michigan, is a stunning six-bedroom, 3.5 bath home that stands as a true crown jewel of the city. This elegant residence showcases a blend of classic charm and modern amenities, making it perfect for both family living and entertaining. With spacious rooms filled with natural light, it features beautiful architectural details, hardwood floors, and a gourmet kitchen that any chef would adore. The expansive layout includes multiple living areas, providing ample space for relaxation and gatherings. Many additional upgrades have enhanced this home even further. Including the entire attic and basement have been spray-insulated, enhancing energy efficiency. New blinds throughout add a modern touch to the spacious layout filled with natural light. Outside, the property boasts beautifully landscaped grounds, perfect for enjoying the serene surroundings. The freshly repainted exterior and yard have seen significant enhancements throughout. A brand-new garage project includes a convenient half bath, while the outdoor space is perfect for entertaining with a covered cozy patio equipped with an outdoor TV. Additionally, The property has been revitalized with all-new landscaping, a freshly paved driveway, and a stylish new fence that enhances its curb appeal. New gutters have been installed for both the house and garage, ensuring proper drainage and maintenance. This residence truly combines elegance, comfort, and functionality, making it an exceptional place to call home in Petoskey. Located in a desirable neighborhood, this home offers a quick walk to downtown Petoskey, stunning views of Little Traverse Bay, and easy access to local shops, dining, and outdoor activities.
Getting Around
Very Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Materials
- Construction materials: Wood Frame/Site Built
Type & Style
- Home type: SingleFamily
Interior
Appliances
- Appliances included: Built-in Microwave,Dishwasher,Disposal,Refrigerator,Washer,Dryer,Range
Basement
- Has basement: Yes
- Basement: Partial
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Fireplace features: Wood Burning
- Fireplace: Yes
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Interior Area
- Total interior livable area: 5,653 sqft
Property
Details
- Parcel number: 521905102020
Features
- Patio & porch: Deck
Lot
- Features: Sprinkler System
Parking
- Parking features: Detached Garage
- Has garage: Yes
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Emmet County and Michigan
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $9,582 | $114,984 |
| Home Insurance * | $1,047 | $12,564 |
| Property Taxes | $1,294 | $15,528 |
| Electricity | $616 | $7,399 |
| Total | $12,539 | $150,468 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-23 | Listed for sale | $1,950,000 |
| 2025-11-08 | Listing removed | $1,950,000 |
| 2025-09-23 | Listed for sale | $1,950,000 |
| 2023-08-11 | Listing removed | -- |
| 2023-07-18 | Price change | $1,650,000 |
| 2023-05-24 | Listed for sale | $1,790,000 |
View on Zillow