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9 E Main St Unit 205, Bay City, MI, 48708

1beds
2baths
700sqft
$236,500
$338price/sqft
$1,827/moest. monthly cost
$73,080/yrincome needed

About This Home

Enjoy comfortable, low-maintenance living in this well-appointed one-bedroom condo in the heart of Uptown! Features include: Partial views of the Saginaw River from your private balcony, sunny south-facing location that fills the home with natural light and a secure building entrance and dedicated secure parking with storage. Prime location—perfect for people-watching and enjoying all that Uptown has to offer If you are looking for a convenient urban lifestyle, this condo offers an excellent opportunity. Why rent when you can own? Make this charming Uptown condo your new home! Open House 8-1-26 11:00-12:30

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
59
BikeBikeable

Schools

6/10
4/10
Handy Middle SchoolGrades 6-81.3 mi
6/10

Construction

Condition

  • Year built: 2014

Materials

  • Construction materials: Brick

Type & Style

  • Home type: Condo
  • Architectural style: Ranch
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range/Oven,Refrigerator,Washer

Bathroom1

  • Level: Main

Bedroom1

  • Features: Carpet
  • Level: Main
  • Area: 120

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Flooring: Carpet
  • Finished area below ground: 0
  • Finished area above ground: 700

Heating & Cooling

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

Interior Area

  • Total structure area: 700
  • Total interior livable area: 700 sqft

Kitchen

  • Level: Main
  • Area: 100

Living Room

  • Features: Engineered Hardwood
  • Level: Main
  • Area: 168

Property

Accessibility

  • Accessibility features: Accessible Washer/Dryer

Details

  • Parcel number: 0916002815100400
  • Special condition: Private

Features

  • Levels: One
  • Stories: 1

Parking

  • Total spaces: 1
  • Parking features: Attached,Heated Garage
  • Has garage: Yes
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Inland Flooding
Ice Storm
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 $1,195$14,340
Home Insurance *$186$2,232
Property Taxes $258$3,096
Electricity $188$2,259
Total$1,827$21,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,640/yr
40% on housing$54,810/yr
45% on housing$48,720/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

$338This listing

vs Other Active Listings

Avg $/sqft

ZIP 48708$74
Bay County$115

vs Homes Sold Last Month

Median $/sqft

ZIP 48708$94
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)

No zestimate history available

Price History

DateEventPrice
2026-08-17Pending sale$236,500
2026-07-17Listed for sale$236,500

For Sale by Agent

AgentMelissa Beckrow
BrokerageAyre/Rhinehart Bay REALTORS

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