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315 Donahue Beach Dr, Bay City, MI, 48706

4beds
2baths
2,080sqft
$565,000
$272price/sqft
$4,038/moest. monthly cost
$161,520/yrincome needed

About This Home

Private Beach • Saginaw Bay Waterfront • 4 Bed • 2 Bath • Totally Rebuilt— nestled between the kawkawlin and Saginaw River Wake up to breathtaking views of the Saginaw Bay in this beautifully rebuilt 4-bedroom, 2-bathroom waterfront home. Every inch of this property has been thoughtfully updated, making it truly move-in ready. Situated on a 0.25-acre lot with a private beach, this home features a steel seawall and composite stairs leading directly to the sandy shoreline. Whether you’re enjoying your morning coffee or watching the sunset over the bay, the outdoor spaces are designed to take full advantage of the incredible waterfront setting. This home has been totally rebuilt from top to bottom, including: * All-new roof and gutters * All-new siding and windows * All-new exterior doors and solid-core interior doors * Completely rewired electrical system with new electrical panels serving both the main floor and second level * All-new flooring and walls * Brand-new custom kitchen with granite countertops throughout-granite bathroom vanity tops * Two large double sided custom walk-in tiled showers (no tubs) * Brand-new furnace and ac * Brand-new on-demand hot water heater * All-new stainless steel appliances * Brand-new washer and dryer The functional layout includes: * 4 Bedrooms | 2 Full Bathrooms * Main Level: 1 bedroom, 1 full bathroom, spacious living areas, and a bedroom with a private door wall leading to a private deck. * Second Level: 3 bedrooms, 1 full bathroom, plus a private exterior deck and staircase off one of the bedrooms. * Large patio doors on the waterfront side open to a patio overlooking the bay. * Rear deck off the roadside entrance leading to the back door. * Large closets throughout. To help buyers better visualize the space, we have also included AI-staged furniture images to showcase how the home can look fully furnished and to help bring out the warmth, scale, and potential of each room. Outside, you’ll enjoy your own private beach, a steel seawall, composite beach stairs, and multiple outdoor living spaces designed to take full advantage of the incredible waterfront views. The property also includes a small storage shed near the driveway. There is no garage. This stunning home will be completed in just TWO WEEKS! Don’t miss your opportunity to be among the first to tour this totally rebuilt waterfront home before it officially hits the market. If you’ve been searching for a turnkey home on the Saginaw Bay with breathtaking views, private waterfront living, and high-end finishes, this is one you won’t want to miss. We are looking for serious buyers who are ready to own a beautiful waterfront home. To respect everyone’s time and privacy, proof of funds for cash buyers or a current mortgage pre-approval letter for financed buyers is required before a private showing will be scheduled. For Sale By Owner – We are not interested in working with Realtors at this time. ASKING $565,000 FIRM To schedule your private showing, contact Melissa at (989) 209-4097.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

4/10
Bangor Central SchoolGrades PK-51.4 mi
7/10
John Glenn High SchoolGrades 9-123.5 mi

Construction

Condition

  • Year built: 1912

Type & Style

  • Home type: SingleFamily

Interior

Basement

  • Basement: Basement (not specified)

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Interior Area

  • Total interior livable area: 2,080 sqft

Property

Lot

  • Lot size: 0.25 Acres

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
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Strong Wind
Hail
Inland Flooding
Lightning
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 $2,856$34,272
Home Insurance *$340$4,080
Property Taxes $616$7,392
Electricity $226$2,722
Total$4,038$48,456
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,445/yr
40% on housing$121,140/yr
45% on housing$107,680/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

$272This listing

vs Other Active Listings

Avg $/sqft

ZIP 48706$146
Bay County$114

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)

No zestimate history available

Price History

DateEventPrice
2026-08-03Listed for sale$565,000

For Sale by Owner

AgentProperty Owner

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