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1870 Freeland Rd, Bay City, MI, 48706

4beds
5baths
6,974sqft
$719,900
$103price/sqft
$6,112/moest. monthly cost
$244,480/yrincome needed

About This Home

Experience Luxury Living on the beautiful refurbished Bay City Country Club! This stunning custom built home features 4/5 bedrooms and 5 bathrooms. The kitchen is outfitted with top-of-the-line appliances. The beautiful wood burning fireplace in the Great Room adds warmth and charm. The over 3,000 square feet of professionally finished lower level is perfect for entertaining! It features a spacious bar and pool table. It's, also, a perfect spot to watch movies or play cards! And don't forget about the complete gym! (All of the equipment is staying!) Another feature of this incredible home is the surround sound system that is throughout the interior of the home as well as out on the patio. Views of the 15th hole of the golf course can be enjoyed from the beautiful back patio and in ground spa! There is also a spacious 3 car attached garage. This is definitely a home you will want to see!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

6/10
7/10
Western Middle SchoolGrades 6-88.4 mi
6/10

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Basement
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Laundry features: First Floor Laundry

Basement

  • Has basement: Yes

Bathroom1

  • Level: First
  • Area: 154

Bathroom2

  • Level: First
  • Area: 66

Bathroom3

  • Level: First
  • Area: 60

Bathroom4

  • Level: Second
  • Area: 48

Bedroom1

  • Features: Carpet
  • Level: First
  • Area: 280

Bedroom2

  • Level: First
  • Area: 132

Bedroom3

  • Level: First
  • Area: 156

Bedroom4

  • Level: Second
  • Area: 352

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Flooring: Carpet,Wood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 3,100
  • Finished area above ground: 3,874

Heating & Cooling

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

Interior Area

  • Total structure area: 7,356
  • Total interior livable area: 6,974 sqft

Kitchen

  • Features: Wood
  • Level: First
  • Area: 260

Living Room

  • Features: Wood
  • Area: 418

Office

  • Level: First
  • Area: 168

Property

Details

  • Parcel number: 03C1000000500
  • Special condition: Short Sale,Private

Features

  • Levels: One and One Half
  • Stories: 1
  • Has spa: Yes
  • Spa features: Bath
  • Frontage type: Golf Course
  • Frontage length: 100

Lot

  • Lot size: 0.58 Acres
  • Lot size dimensions: 138

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Tornado
Winter Weather
Hail
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 $3,640$43,680
Home Insurance *$434$5,208
Property Taxes $1,278$15,336
Electricity $760$9,128
Total$6,112$73,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$209,554/yr
40% on housing$183,360/yr
45% on housing$162,986/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

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 48706$149
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)

No zestimate history available

Price History

DateEventPrice
2026-04-27Price change$774,900
2026-03-02Price change$799,900
2025-11-04Listed for sale$850,000

For Sale by Agent

AgentCathy Serafini, Century 21 Signature Realty - Bay City
BrokerageCentury 21 Signature Realty - Bay City

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