705 Bay Rd, Bay City, MI, 48706
About This Home
Experience waterfront living at its finest in this spacious 2,416-square-foot, 4-bedroom, 2-bathroom home on beautiful Bay Road in Bay City. With breathtaking panoramic views of the bay from the upper-level primary bedroom, this property offers the perfect combination of comfort, efficiency, and year-round enjoyment. Thoughtfully maintained, the home features numerous updates, including a newer roof, boiler, sliding glass doors, and exterior paint. Energy-efficient solar panels help reduce annual utility costs, providing long-term savings and added value. The upper-level bathroom features a spacious sauna, creating the perfect place to unwind after a day on the water or simply relax in the comfort of your own home. Step outside to your own private waterfront oasis featuring a sandy beach that leads to clean, shallow wading waters—ideal for swimming, kayaking, or simply relaxing by the bay. The fenced backyard, spacious concrete patio overlooking the water, and 2-car garage complete the outdoor amenities, making this home perfect for entertaining and everyday living. An added bonus: this waterfront property does not require flood insurance, offering peace of mind and lower ownership costs. Whether you’re searching for a year-round residence or the perfect waterfront retreat, this exceptional property is one you won’t want to miss.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1959
Materials
- Foundation: Slab
- Construction materials: Aluminum Siding,Vinyl Siding,Asphalt
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Range/Oven,Refrigerator,Washer,Gas Water Heater
- Laundry features: First Floor Laundry,Laundry Room,Main Level
Bathroom1
- Features: Vinyl
- Level: Main
- Area: 63
Bathroom2
- Features: Tile
- Level: Upper
- Area: 168
Bedroom1
- Features: Vinyl
- Level: First
- Area: 156
Bedroom2
- Features: Vinyl
- Level: First
- Area: 132
Bedroom3
- Features: Wood
- Level: Second
- Area: 156
Bedroom4
- Features: Vinyl
- Level: Second
- Area: 405
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
Dining Room
- Features: Vinyl
- Level: First
- Area: 154
Features
- Flooring: Vinyl,Wood
- Number of fireplaces: 1
- Fireplace features: Family Room,Natural Fireplace
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 2,416
Heating & Cooling
- Heating features: Forced Air,Hot Water,Natural Gas,Solar
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 2,416
- Total interior livable area: 2,416 sqft
Kitchen
- Features: Vinyl
- Level: First
- Area: 210
Living Room
- Features: Vinyl
- Level: First
- Area: 308
Property
Details
- Parcel number: 010A1600001100
- Zoning description: Residential
- Special condition: Private
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Lake Front,Waterfront,Beach Access,Beach Front
- Frontage length: 40
Lot
- Lot size: 0.32 Acres
- Features: Subdivision
- Lot size dimensions: 40 x 248
Parking
- Total spaces: 2
- Parking features: Garage,Unassigned,Detached,Electric in Garage,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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 | $2,604 | $31,248 |
| Home Insurance * | $310 | $3,720 |
| Property Taxes | $562 | $6,744 |
| Electricity | $263 | $3,162 |
| Total | $3,739 | $44,868 |
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 |
|---|---|---|
| 2026-08-13 | Price change | $495,000 |
| 2026-08-10 | Price change | $500,000 |
| 2026-08-09 | Price change | $510,000 |
| 2026-08-02 | Price change | $515,000 |
| 2026-07-29 | Price change | $520,000 |
| 2026-07-26 | Price change | $525,000 |
| 2026-07-18 | Price change | $535,000 |
| 2026-07-08 | Price change | $539,900 |
| 2026-06-30 | Listed for sale | $550,000 |
| 2020-05-27 | Sold | $305,000 |
| 2020-04-21 | Pending sale | $319,900 |
| 2020-04-14 | Listed for sale | $319,900 |
| 2015-08-21 | Sold | $214,900 |
| 2011-07-22 | Listing removed | $199,900 |
| 2011-03-14 | Listed for sale | $199,900 |
| 2010-12-04 | Listing removed | $199,900 |
| 2010-10-01 | Price change | $199,900 |
| 2010-07-25 | Listed for sale | $209,900 |
| 2006-10-03 | Sold | $168,900 |
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