40 Westside Saginaw Rd, Bay City, MI, 48706
About This Home
Step inside and imagine the possibilities. This Bay City home sits on nearly half an acre and welcomes you with an attached garage and a large, fully fenced backyard—offering space, privacy, and room to grow. As you enter, you’re greeted by a spacious living room that flows into a formal dining area, creating an inviting layout for everyday living and hosting. Just beyond, the well-sized kitchen anchors the main level and offers a functional footprint ready for your personal touch. Two bedrooms and a full bathroom are conveniently located on the main floor. Upstairs, you’ll find two additional bedrooms, a half bathroom, and a charming nook with built-in drawers—perfect for extra storage or a cozy reading space. The lower level adds even more potential, featuring a full bathroom and an egress window, making a finished basement a real possibility for additional living or recreational space. This home presents as a renovation opportunity. Updates and repairs needed include replacement of the meter socket, a new main breaker, and updated water pipes/plumbing. With 1,328 square feet above grade, a generous fenced lot, and convenient access to local colleges, shopping, dining, and everyday amenities, this property offers strong upside for buyers looking to customize and build equity.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1946
Materials
- Foundation: Basement
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Water Heater
Basement
- Has basement: Yes
- Basement: Unfinished
Bathroom1
- Level: First
Bathroom2
- Level: Basement
Bedroom1
- Level: First
- Area: 143
Bedroom2
- Level: First
- Area: 120
Bedroom3
- Level: Second
- Area: 190
Bedroom4
- Level: Second
- Area: 195
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: First
- Area: 135
Features
- Finished area below ground: 0
- Finished area above ground: 1,328
Heating
- Heating features: Boiler,Natural Gas
Interior Area
- Total structure area: 2,390
- Total interior livable area: 1,328 sqft
Kitchen
- Level: First
- Area: 140
Living Room
- Level: First
- Area: 252
Property
Details
- Parcel number: 0910003820051000
- Special condition: Private
Features
- Levels: One
- Stories: 1
- Fencing: Fenced
- Frontage type: Road
- Frontage length: 73
Lot
- Lot size: 0.42 Acres
- Lot size dimensions: 73.00 x 217
Parking
- Total spaces: 2
- Parking features: 2 Spaces,Attached
- Attached garage spaces: 1
- Covered spaces: 1
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
- Inland Flooding
- Tornado
- Hail
- Ice Storm
- 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 | $656 | $7,872 |
| Home Insurance * | $78 | $936 |
| Property Taxes | $141 | $1,692 |
| Electricity | $188 | $2,259 |
| Total | $1,063 | $12,756 |
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 |
|---|---|---|
| 2026-03-25 | Price change | $129,900 |
| 2026-01-28 | Price change | $139,900 |
| 2026-01-19 | Listed for sale | $145,000 |
| 2023-10-20 | Sold | $114,000 |
| 2023-08-20 | Pending sale | $118,000 |
| 2023-08-20 | Contingent | $118,000 |
| 2023-08-09 | Price change | $118,000 |
| 2023-07-27 | Price change | $119,000 |
| 2023-07-20 | Price change | $120,000 |
| 2023-07-16 | Price change | $121,000 |
| 2023-07-11 | Price change | $123,000 |
| 2023-07-06 | Price change | $125,000 |
| 2023-06-26 | Price change | $128,000 |
| 2023-06-16 | Price change | $129,000 |
| 2022-09-26 | Pending sale | $115,000 |
| 2022-07-18 | Listed for sale | $115,000 |
| 2019-07-18 | Sold | $88,500 |
| 2011-02-01 | Sold | $25,000 |
| 2010-12-09 | Price change | $32,000 |
| 2010-11-02 | Price change | $39,900 |
| 2010-10-23 | Listed for sale | -- |
| 2010-09-21 | Sold | $76,500 |
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