512 Germania St, Bay City, MI, 48706
About This Home
Charming RM-1 zoned residential property with versatile home occupation use, perfect for live-work lifestyles! This unique home features 1 bedroom, a modern kitchen, 1 full bath, 2 half baths, a cozy living room, and a spacious recreational room. The property includes a studio currently setup as a barbershop, ideal for entrepreneurs. Enjoy ample parking and a large pole barn for additional storage or workspace. With city approval, the property could be converted to M-1 light industrial use, offering endless possibilities for commercial ventures. Conveniently located with easy access to local amenities, this property is a rare find for those seeking a blend of residential comfort and business potential. This property may qualify for Michigan OPRA tax abatement program to assist with redevelopment if you choose. Don’t miss this opportunity to own a multi-functional space tailored to your vision! Schedule a showing today.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1950
Materials
- Foundation: Slab
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Water Heater
Bathroom1
- Level: First
- Area: 105
Bedroom1
- Level: First
- Area: 165
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 3
- Full bathrooms: 1
- 1/2 bathrooms: 2
Family Room
- Level: First
- Area: 264
Features
- Finished area below ground: 0
- Finished area above ground: 2,700
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 2,700
- Total interior livable area: 2,700 sqft
Kitchen
- Level: First
- Area: 120
Living Room
- Level: First
- Area: 1248
Property
Details
- Parcel number: 16002925501500
- Zoning: Currently RM-1, suggestion from city if converting to full commercial use would be M-1 light industr
- Zoning description: Commercial,Other,Residential
- Special condition: Private
Features
- Levels: One
- Stories: 1
- Frontage type: Road
- Frontage length: 120
Lot
- Lot size: 0.33 Acres
- Features: City Lot,Corner Lot
- Lot size dimensions: 120 x 120
Parking
- Total spaces: 3
- Parking features: 3 or More Spaces
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
- Winter Weather
- Cold Wave
- Strong Wind
- Tornado
- Hail
- Inland Flooding
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Bay 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 | $986 | $11,832 |
| Home Insurance * | $117 | $1,404 |
| Property Taxes | $212 | $2,544 |
| Electricity | $294 | $3,534 |
| Total | $1,609 | $19,308 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2025-10-30 | Price change | $230,000 |
| 2025-08-29 | Price change | $240,000 |
| 2024-12-29 | Listed for sale | $225,000 |
| 2024-05-07 | Sold | $135,000 |
| 2024-03-18 | Pending sale | $159,900 |
| 2024-02-12 | Listed for sale | $159,900 |
| 2024-01-31 | Pending sale | $159,900 |
| 2024-01-07 | Listed for sale | $159,900 |
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