39 Spruce Ridge Dr, Bay City, MI, 48706
About This Home
This beautifully updated home offers quality, comfort, and peace of mind throughout. This move-in-ready property has been carefully improved with attention to detail and long-term durability in mind. Recent updates include new vinyl siding, a new roof, newer windows, new electrical from the mast throughout the home, a new furnace, new plumbing, and a new water heater. Inside, you’ll appreciate the remodeled kitchen and bathroom, along with new flooring and a cozy new fireplace that adds warmth and character to the living space. Thoughtful finishes can be found throughout, creating a home that truly stands out and allows the next owners to move in with confidence. Additionally, enjoy the views from a brand-new front porch and back deck—perfect for relaxing or entertaining. The home’s location is just a short walk to the Kawkawlin River and surrounding Saginaw Bay area. With so much to see and appreciate, this is a home you won’t want to miss
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1937
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Range/Oven,Refrigerator
- Laundry features: First Floor Laundry
Basement
- Basement: Crawl Space
Bathroom1
- Level: Main
Bedroom1
- Level: Main
- Area: 96
Bedroom2
- Level: Main
- Area: 128
Bedroom3
- Level: Main
- Area: 120
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 3
Dining Room
- Level: Main
- Area: 88
Features
- Number of fireplaces: 1
- Fireplace features: Living Room
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,024
Heating
- Heating features: Forced Air,Natural Gas
Interior Area
- Total structure area: 1,024
- Total interior livable area: 1,024 sqft
Kitchen
- Level: Main
- Area: 90
Living Room
- Level: Main
- Area: 280
Property
Details
- Parcel number: 010B1000801700
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Porch
- Frontage type: Road
- Frontage length: 93
Lot
- Lot size: 0.25 Acres
- Lot size dimensions: 93 x 124
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
- Hail
- Inland Flooding
- Lightning
- 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 | $808 | $9,696 |
| Home Insurance * | $96 | $1,152 |
| Property Taxes | $174 | $2,088 |
| Electricity | $188 | $2,259 |
| Total | $1,266 | $15,192 |
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 |
|---|---|---|
| 2026-04-17 | Price change | $179,900 |
| 2026-04-06 | Listed for sale | $187,900 |
| 2026-04-01 | Listing removed | $187,900 |
| 2026-02-24 | Price change | $187,900 |
| 2026-02-08 | Price change | $192,900 |
| 2026-02-06 | Listed for sale | $192,000 |
| 2024-09-23 | Sold | $35,000 |
| 2024-08-12 | Price change | $35,000 |
| 2024-06-01 | Price change | $65,000 |
| 2024-05-31 | Listed for sale | $60,000 |
| 2015-06-24 | Sold | $25,000 |
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