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608 Nurmi Ct, Bay City, MI, 48708

5beds
5baths
3,825sqft
$499,900
$131price/sqft
$3,883/moest. monthly cost
$155,320/yrincome needed

About This Home

Welcome to 608 Nurmi Ct, a rare opportunity to own a beautifully maintained 3,000+ sq. ft. brick Colonial Revival home nestled on a quiet cul-de-sac in Bay City's Historic District. Rich in timeless character and thoughtful updates, this exceptional home offers 5 bedrooms and 5 baths with a spacious layout designed for both comfortable everyday living and entertaining. The main level features a beautiful, spacious kitchen with Pennville oak cabinetry, a Corian-topped island with a new cooktop, and ample workspace. The formal dining room showcases original hardwood floors and classic built-ins, while the inviting living room continues the hardwood flooring and centers around a beautiful wood-burning fireplace. A cozy den with a full bookshelf wall creates the perfect home library, office, or media room. Throughout the home you'll find historic architectural details complemented by quality updates including a newer roof with 50-year architectural shingles, newer furnace and central air, Marvin windows, Reflecta thermal insulation, updated flooring, and beautifully preserved hardwood floors. The inviting three-seasons room overlooks the private, fenced backyard featuring mature landscaping, a concrete patio, and plenty of space to relax or entertain. The finished basement adds even more functional living space with a large family room, an additional bedroom, and a half bath. Situated on a beautifully landscaped 0.27-acre lot with an attached two-car garage, this remarkable home offers the perfect blend of historic charm, quality craftsmanship, and modern comfort in one of Bay City's most desirable neighborhoods. Opportunities like this are truly rare.

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

6/10
4/10
Handy Middle SchoolGrades 6-82.6 mi
6/10

Construction

Condition

  • Year built: 1942

Materials

  • Foundation: Basement
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Laundry features: First Floor Laundry

Basement

  • Has basement: Yes
  • Basement: Finished

Bathroom1

  • Level: Second

Bathroom2

  • Level: Second

Bedroom1

  • Features: Wood
  • Level: Second
  • Area: 225

Bedroom2

  • Features: Wood
  • Level: Second
  • Area: 234

Bedroom3

  • Features: Wood
  • Level: Second
  • Area: 144

Bedroom4

  • Features: Carpet
  • Level: Second
  • Area: 165

Bedroom5

  • Features: Carpet
  • Level: Basement
  • Area: 234

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 2
  • 1/2 bathrooms: 3

Dining Room

  • Features: Wood
  • Level: First
  • Area: 234

Family Room

  • Features: Carpet
  • Level: First
  • Area: 165

Features

  • Flooring: Wood,Carpet,Laminate,Ceramic Tile
  • Number of fireplaces: 2
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 807
  • Finished area above ground: 3,018

Heating & Cooling

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

Interior Area

  • Total structure area: 4,018
  • Total interior livable area: 3,825 sqft

Kitchen

  • Features: Laminate
  • Level: First
  • Area: 324

Living Room

  • Features: Wood
  • Level: First
  • Area: 390

Property

Details

  • Parcel number: 16002722700200
  • Special condition: Private

Features

  • Levels: Two
  • Stories: 2
  • Frontage type: Road
  • Frontage length: 98

Lot

  • Lot size: 0.27 Acres
  • Lot size dimensions: 98 x 123

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Hail
Inland Flooding
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 $2,527$30,324
Home Insurance *$394$4,728
Property Taxes $545$6,540
Electricity $417$5,006
Total$3,883$46,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$133,131/yr
40% on housing$116,490/yr
45% on housing$103,546/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

$131This 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)

Price History

DateEventPrice
2026-07-08Listed for sale$499,900

For Sale by Agent

AgentCalyb A Shaw
BrokerageBerkshire Hathaway HomeServices, Bay City

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