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4108 Allen Ct, Bay City, MI, 48706

5beds
4baths
2,708sqft
$429,900
$159price/sqft
$3,196/moest. monthly cost
$127,840/yrincome needed

About This Home

Welcome to this spacious 5 bedroom, 3.5 bath ranch home with over 2700 SF located at the end of a cul-de-sac in Bangor Township on over half an acre! The updated kitchen features granite counters, a 60 inch island, stainless appliances, and pantry. The kitchen is open to the family room (currently being used as a dining/sitting room) perfect for everyday living and entertaining. Two of the bedrooms have private bathrooms. The primary suite features access to the backyard and inground pool, 2 large closets, and a spacious bathroom with 2 vanities, walk in shower, and separate soaking tub. Other features include a cozy living room with natural fireplace, mud room, powder room, first floor laundry, basement, attached garage with electricity, 16 x 32 inground pool, 2 sheds, and fenced yard. Situated on a .51 acre lot with mature trees just minutes from restaurants, parks, schools, and shopping. Seller is a licensed Agent.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

7/10
7/10
John Glenn High SchoolGrades 9-120.1 mi

Construction

Condition

  • Year built: 1960

Materials

  • Foundation: Basement
  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range/Oven,Refrigerator,Washer
  • Laundry features: First Floor Laundry

Basement

  • Has basement: Yes
  • Basement: Sump Pump,Unfinished,Crawl Space

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom3

  • Level: First

Bedroom1

  • Level: First
  • Area: 224

Bedroom2

  • Level: First
  • Area: 154

Bedroom3

  • Level: First
  • Area: 90

Bedroom4

  • Level: First
  • Area: 143

Bedroom5

  • Level: First
  • Area: 99

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Family Room

  • Level: First
  • Area: 276

Features

  • Pantry
  • Number of fireplaces: 2
  • Fireplace features: Natural Fireplace
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,708

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,688
  • Total interior livable area: 2,708 sqft

Kitchen

  • Level: First
  • Area: 234

Living Room

  • Level: First
  • Area: 294

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 09010A0500001400
  • Special condition: Private

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground
  • Patio & porch: Deck,Patio,Porch
  • Fencing: Fenced
  • Frontage type: Road
  • Frontage length: 150

Lot

  • Lot size: 0.51 Acres
  • Features: Cul-De-Sac,Dead End
  • Lot size dimensions: 22215

Parking

  • Total spaces: 2
  • Parking features: Attached,Electric in Garage,Garage Door Opener
  • 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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Strong Wind
Tornado
Hail
Lightning
Tsunami

FEMA Declared Disasters in Bay County and Michigan

Severe Ice Storm
Winter Storm

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

MonthlyAnnual
Mortgage $2,173$26,076
Home Insurance *$259$3,108
Property Taxes $469$5,628
Electricity $295$3,544
Total$3,196$38,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,577/yr
40% on housing$95,880/yr
45% on housing$85,226/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

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.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 48706$148
Bay County$115

vs Homes Sold Last Month

Median $/sqft

ZIP 48706$121
Bay County$101

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

DateEventPrice
2026-08-11Price change$419,900
2026-07-15Listed for sale$429,900
2022-08-19Sold$220,000
2022-07-12Pending sale$239,900
2022-06-23Listed for sale$239,900
2019-12-26Listing removed$199,900
2019-07-26Listed for sale$199,900

For Sale by Agent

AgentMelissa Socha
BrokerageModern Way Realty LLC

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