986 Pine Rd, Bay City, MI, 48706
About This Home
A beautifully remodeled 3-bedroom, 2-bath ranch offering true move-in ready convenience. This home features a bright, open-concept layout with cathedral ceilings, skylights, and large windows that fill the space with natural light. The updated kitchen showcases stainless steel appliances, modern finishes, and flows seamlessly into the main living areas. Fresh paint and new flooring run throughout the home, creating a clean, cohesive feel. The spacious primary suite includes a private ensuite bath, while both bathrooms have been fully renovated with contemporary fixtures and finishes. Enjoy outdoor living in the large partially fenced backyard, complete with a brand-new deck—ideal for entertaining or relaxing. An attached rear workshop adds valuable space for storage, hobbies, or projects.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Foundation: Crawl Space
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Bedroom
- Level: Entry
- Area: 104
- Dimensions: 13 X 8
Bedroom
- Level: Entry
- Area: 98
- Dimensions: 14 X 7
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Finished area above ground: 1,384
Heating
- Heating features: Forced Air,Natural Gas
Interior Area
- Total interior livable area: 1,384 sqft
Other
- Level: Entry
- Area: 63
- Dimensions: 7 X 9
Other
- Level: Entry
- Area: 45
- Dimensions: 5 X 9
Primary Bedroom
- Level: Entry
- Area: 210
- Dimensions: 14 X 15
Property
Details
- Parcel number: 09010A1600014900
- Special condition: Short Sale No,Standard
- Exclusions: Exclusion(s) Do Not Exist
Features
- Levels: One
- Stories: 1
- Entry location: GroundLevel
- Pool features: None
Lot
- Lot size: 6,098 sqft
- Lot size dimensions: 36 x 168
Parking
- Parking features: Driveway,No Garage
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 | $859 | $10,308 |
| Home Insurance * | $102 | $1,224 |
| Property Taxes | $185 | $2,220 |
| Electricity | $188 | $2,259 |
| Total | $1,334 | $16,008 |
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 |
|---|---|---|
| 2026-04-23 | Listed for sale | $169,900 |
| 2025-03-24 | Listing removed | $137,900 |
| 2025-03-14 | Listing removed | $1,400 |
| 2025-02-26 | Listed for rent | $1,400 |
| 2025-02-25 | Price change | $137,900 |
| 2024-10-25 | Price change | $142,900 |
| 2024-10-07 | Listed for sale | $149,900 |
| 2024-04-19 | Listing removed | -- |
| 2024-04-16 | Listing removed | -- |
| 2024-03-16 | Price change | $79,900 |
| 2024-03-14 | Listed for sale | $49,900 |
| 2024-03-13 | Listed for rent | $1,400 |
| 2023-12-13 | Listing removed | -- |
| 2023-11-15 | Listed for rent | $1,371 |
| 2023-10-24 | Listing removed | -- |
| 2023-10-02 | Listed for sale | $45,000 |
| 2022-07-19 | Sold | $45,000 |
| 2019-12-23 | Sold | $27,000 |
| 2019-12-20 | Pending sale | $27,000 |
| 2019-11-18 | Price change | $27,000 |
| 2019-11-13 | Listed for sale | $35,000 |
| 2018-07-27 | Listing removed | $24,900 |
| 2018-06-01 | Price change | $24,900 |
| 2018-04-23 | Listed for sale | $29,900 |
| 2017-03-01 | Sold | $10,500 |
| 2017-01-27 | Listed for sale | $9,900 |
| 2015-11-05 | Sold | $21,330 |
| 2005-04-26 | Sold | $76,500 |
| 2004-05-12 | Sold | $24,900 |
| 2003-09-05 | Sold | $64,800 |
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