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1106 State St, Bay City, MI, 48706

7beds
5baths
7,200sqft
$389,000
$54price/sqft
$3,077/moest. monthly cost
$123,080/yrincome needed

About This Home

Check out this stately brick mansion offering an ideal floorplan with unique spaces for everyone! Includes 7 bedrooms and 5 baths plus storage galore. Five car garage for all of your toys. Did someone say Airbnb? Ultra convenient location combines park-like setting with privacy less than three minutes from prime shopping area. Brand new carpeting and freshly painted throughout. Hurry this one won't last!

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

5/10
Kolb Elementary SchoolGrades PK-51.9 mi
4/10
Handy Middle SchoolGrades 6-81.1 mi
6/10

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Basement
  • Construction materials: Brick,Block

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Range/Oven,Refrigerator,Gas Water Heater
  • Laundry features: First Floor Laundry,Lower Level,Laundry Room,In Basement

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Full,Partially Finished,Interior Entry

Bathroom1

  • Level: First

Bathroom2

  • Level: Second

Bathroom3

  • Level: Second

Bedroom

  • Level: Second
  • Area: 238

Bedroom1

  • Level: Second
  • Area: 260

Bedroom2

  • Level: Second
  • Area: 221

Bedroom3

  • Level: Second
  • Area: 140

Bedroom4

  • Level: Second
  • Area: 196

Bedroom5

  • Level: Second
  • Area: 182

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2

Dining Room

  • Features: Wood
  • Level: First
  • Area: 238

Features

  • High Ceilings,Walk-In Closet(s)
  • Window features: Window Treatments,Storms/Screens
  • Flooring: Ceramic Tile,Hardwood,Wood,Concrete,Carpet,Other
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Fireplace Screen
  • Fireplace: Yes
  • Finished area below ground: 800
  • Finished area above ground: 6,400

Great Room

  • Level: Third
  • Area: 700

Heating & Cooling

  • Heating features: Baseboard,Boiler,Zoned,Electric,Natural Gas
  • Cooling features: Ceiling Fan(s),Wall/Window Unit(s),Window Unit(s)

Interior Area

  • Total structure area: 8,400
  • Total interior livable area: 7,200 sqft

Kitchen

  • Features: Other
  • Level: First
  • Area: 238

Living Room

  • Features: Wood
  • Level: First
  • Area: 576

Office

  • Level: First
  • Area: 120

Property

Details

  • Parcel number: 0916001615102000
  • Zoning description: Mixed Use,Residential
  • Special condition: Private
  • Other equipment: Intercom

Features

  • Levels: Tri-Level
  • Patio & porch: Deck
  • Exterior features: Sidewalks
  • Waterfront features: None
  • Frontage type: Road
  • Frontage length: 140

Lot

  • Lot size: 0.75 Acres
  • Features: City Lot,Platted,Sidewalks,Walk to School
  • Lot size dimensions: 140 x 230

Parking

  • Total spaces: 5
  • Parking features: 3 or More Spaces,Garage,Attached,Basement,Combination,Detached,Electric in Garage,Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5

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
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Hail
Inland Flooding
Tornado
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 $1,966$23,592
Home Insurance *$234$2,808
Property Taxes $92$1,104
Electricity $785$9,424
Total$3,077$36,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,497/yr
40% on housing$92,310/yr
45% on housing$82,053/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

$54This listing

vs Other Active Listings

Avg $/sqft

ZIP 48706$150
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
2026-04-15Listed for sale$389,000
2026-02-14Listing removed$298,000
2025-08-30Price change$298,000
2025-06-06Price change$379,000
2025-03-06Listed for sale$389,000
2022-10-24Listing removed--
2022-03-31Listed for sale$199,000
2022-02-18Pending sale$199,000
2022-02-17Contingent$199,000
2021-11-03Listed for sale$199,000

For Sale by Agent

AgentJonathan Minerick
BrokerageHomeCoin.com

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