108 S Monroe St, Bay City, MI, 48708
About This Home
Welcome home to this beautifully updated ranch on Bay City’s desirable east side! This move-in ready home offers 2 bedrooms, 1 full bath, a bright living room, and an inviting eat-in kitchen featuring a modern farmhouse design with white shaker cabinetry, butcher block countertops, open shelving, vinyl flooring, and newer stainless-steel appliances. The updated bathroom boasts newer fixtures, flooring, and tub surround, while the bedrooms and living room feature matching newer carpet and window blinds. A spacious rear laundry/mud room provides excellent storage and flexibility for a home office, workout area, or hobby space. Additional updates include newer vinyl siding, vinyl windows, newer roof, and central air conditioning for year-round comfort. The large attic offers potential for future expansion and additional living space. Situated on a 40’ x 111’ lot, the fully fenced backyard includes a storage shed and plenty of room for pets, play, or entertaining. Conveniently located directly across from St. James Church and within the All Saints School system area, this home offers excellent walkability to schools, parks, shopping, dining, and all that Bay City has to offer. Complete with a concrete driveway and crawl space foundation, this charming home is ready for its next owner. Don’t miss this opportunity!
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Construction materials: Vinyl Siding,Vinyl Trim
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Range/Oven,Refrigerator,Gas Water Heater
- Laundry features: First Floor Laundry,Laundry Room,Main Level
Basement
- Basement: Crawl Space
Bathroom1
- Features: Vinyl
- Level: Main
Bedroom1
- Features: Carpet
- Level: Main
- Area: 100
Bedroom2
- Features: Carpet
- Level: Main
- Area: 130
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 2
Dining Room
- Features: Vinyl
- Level: Main
Features
- Eat-in Kitchen
- Flooring: Carpet,Vinyl
- Finished area below ground: 0
- Finished area above ground: 1,036
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 1,036
- Total interior livable area: 1,036 sqft
Kitchen
- Features: Vinyl
- Level: Main
- Area: 196
Living Room
- Features: Carpet
- Level: Main
- Area: 170
Master Bedroom
- Level: First
Property
Details
- Parcel number: 16002825700600
- Zoning description: Residential
- Special condition: Private
Features
- Levels: One
- Stories: 1
- Patio & porch: Porch
- Exterior features: Sidewalks
- Fencing: Fenced
- Frontage type: Road
- Frontage length: 49
Lot
- Lot size: 5,227 sqft
- Features: Large Lot - 65+ Ft.,Walk to School,Sidewalks,City Lot
- Lot size dimensions: 49 x 111
Parking
- Total spaces: 2
- Parking features: 2 Spaces,Driveway
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
- Strong Wind
- Winter Weather
- Cold Wave
- 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 | $631 | $7,572 |
| Home Insurance * | $98 | $1,176 |
| Property Taxes | $136 | $1,632 |
| Electricity | $188 | $2,259 |
| Total | $1,053 | $12,636 |
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 |
|---|---|---|
| 2026-07-12 | Listed for sale | $124,900 |
| 2026-06-22 | Listing removed | $124,900 |
| 2026-06-17 | Listed for sale | $124,900 |
| 2023-11-17 | Sold | $123,000 |
| 2023-11-05 | Pending sale | $123,900 |
| 2023-10-29 | Price change | $123,900 |
| 2023-10-21 | Listed for sale | $129,900 |
| 2022-06-07 | Sold | $114,000 |
| 2022-05-17 | Pending sale | $114,000 |
| 2022-05-12 | Contingent | $109,900 |
| 2022-05-09 | Listed for sale | $109,900 |
| 2021-11-23 | Sold | $27,000 |
| 2021-07-15 | Pending sale | $25,000 |
| 2021-07-12 | Listed for sale | $25,000 |
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