3554 Miller Rd, Bay City, MI, 48706
About This Home
Experience waterfront living in this beautifully maintained, one owner home on a private road off Euclid featuring 3 bedrooms , 2 bathrooms, and over 100 feet of river frontage and its own boat launch on the Kawkawlin river. Lovingly cared for throughout the years, this property is ready for its next chapter. The primary bedroom offers stunning views and features a charming loft overlooking the river. Outside you'll find beautifully landscaped yard, and inviting patio for relaxing or entertaining, an attached garage, a detached two car garage, and a storage shed, providing plenty of room for vehicles, toys, and storage. Whether you're enjoying your morning coffee overlooking the water or spending evenings by the river, this home offers a rare opportunity to own a peaceful waterfront retreat with space, fuctionality, and unforgettable views. Call for your showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1977
Materials
- Construction materials: Other,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: Second Floor Laundry
Basement
- Basement: Crawl Space
Bathroom1
- Features: Tile
- Level: First
Bathroom2
- Features: Tile
- Level: Second
Bedroom1
- Features: Carpet
- Level: Second
- Area: 182
Bedroom2
- Features: Carpet
- Level: Second
- Area: 210
Bedroom3
- Features: Carpet
- Level: Second
- Area: 120
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Family Room
- Features: Laminate
- Level: First
- Area: 288
Features
- Flooring: Carpet,Laminate
- Number of fireplaces: 1
- Fireplace features: Living Room
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,687
Great Room
- Level: First
- Area: 180
Heating
- Heating features: Forced Air,Natural Gas
Interior Area
- Total structure area: 1,687
- Total interior livable area: 1,687 sqft
Kitchen
- Level: First
- Area: 336
Living Room
- Features: Laminate
- Level: First
- Area: 456
Property
Details
- Parcel number: 0100051004000
- Special condition: Private
Features
- Levels: Two
- Stories: 2
- Waterbody name: Kawkawlin River
- Frontage type: Road
- Frontage length: 109
Lot
- Lot size: 0.52 Acres
- Lot size dimensions: 109 x 156
Parking
- Total spaces: 2
- Parking features: Attached,Detached,Electric in Garage,Garage Door Opener,Heated Garage
- Has garage: Yes
- Attached garage spaces: 2
- 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
- Strong Wind
- Winter Weather
- Hail
- Inland Flooding
- Tornado
- 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 | $2,148 | $25,776 |
| Home Insurance * | $256 | $3,072 |
| Property Taxes | $773 | $9,276 |
| Electricity | $188 | $2,259 |
| Total | $3,365 | $40,380 |
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 |
|---|---|---|
| 2026-07-24 | Listed for sale | $424,900 |
View on Zillow