413 Franklin St, Bay City, MI, 48708
About This Home
Spacious Historic Home with Modern Updates Built in 1900, this Bay City home combines timeless character with thoughtful updates. Offering four bedrooms plus a large den that could serve as a fifth bedroom, there is plenty of room for everyone as well as ample storage throughout. The main level features convenient laundry, hardwood floors in the kitchen and dining areas, and a spacious layout filled with natural light. Recent updates include a super-efficient hydronic hot water heating system, updated electrical and plumbing, remodeled bathrooms, and vinyl windows. Located just blocks from downtown Bay City’s shops, restaurants, and the waterfront, this property blends historic charm with modern comfort.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Foundation: Basement
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Victorian
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Disposal,Microwave,Range/Oven,Refrigerator,Gas Water Heater
- Laundry features: First Floor Laundry
Basement
- Has basement: Yes
- Basement: Block
Bathroom1
- Features: Vinyl
- Level: Entry
- Area: 108
Bathroom2
- Features: Wood
- Level: Second
- Area: 168
Bedroom1
- Features: Carpet
- Level: Entry
- Area: 126
Bedroom2
- Features: Carpet
- Level: Second
- Area: 182
Bedroom3
- Features: Carpet
- Level: Second
- Area: 110
Bedroom4
- Features: Wood
- Level: Second
- Area: 120
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: Wood
- Level: Entry
- Area: 196
Features
- Flooring: Hardwood,Carpet,Wood,Vinyl
- Number of fireplaces: 1
- Fireplace features: Gas
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 2,014
Heating & Cooling
- Heating features: Baseboard,Boiler,Natural Gas
- Cooling features: Ceiling Fan(s),Wall/Window Unit(s)
Interior Area
- Total structure area: 2,014
- Total interior livable area: 2,014 sqft
Kitchen
- Features: Wood
- Level: Entry
- Area: 156
Living Room
- Features: Wood
- Level: Entry
- Area: 168
Property
Details
- Parcel number: 16002833600400
- Zoning description: Residential
- Special condition: Private
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Deck,Porch
- Exterior features: Sidewalks,Street Lights
- Fencing: Fenced
- Frontage type: Road
- Frontage length: 50
Lot
- Lot size: 4,791 sqft
- Features: Main Street
- Lot size dimensions: 50 x 100
Parking
- Total spaces: 2
- Parking features: 2 Spaces
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
- Strong Wind
- Tornado
- Winter Weather
- Hail
- Lightning
- 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 | $505 | $6,060 |
| Home Insurance * | $78 | $936 |
| Property Taxes | $109 | $1,308 |
| Electricity | $219 | $2,636 |
| Total | $911 | $10,932 |
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 |
|---|---|---|
| 2026-05-01 | Price change | $99,900 |
| 2026-03-24 | Price change | $109,900 |
| 2026-02-25 | Price change | $119,900 |
| 2025-10-10 | Price change | $129,900 |
| 2025-09-30 | Listed for sale | $139,900 |
| 2020-07-27 | Sold | $62,000 |
| 2020-04-04 | Pending sale | $64,900 |
| 2020-03-18 | Listed for sale | $64,900 |
| 2013-08-01 | Sold | $16,500 |
| 2013-03-09 | Price change | $18,900 |
| 2013-03-01 | Price change | $20,900 |
| 2012-12-18 | Price change | $21,242 |
| 2012-11-17 | Price change | $21,676 |
| 2012-10-15 | Price change | $22,118 |
| 2012-09-14 | Price change | $22,569 |
| 2012-08-17 | Price change | $23,030 |
| 2012-07-19 | Price change | $23,500 |
| 2012-06-27 | Price change | $25,428 |
| 2012-05-16 | Price change | $25,946 |
| 2012-04-21 | Price change | $26,476 |
| 2012-03-30 | Price change | $27,016 |
| 2012-03-03 | Price change | $27,567 |
| 2012-02-08 | Price change | $28,130 |
| 2011-12-27 | Price change | $28,129 |
| 2011-11-17 | Listed for sale | $28,704 |
| 2010-08-20 | Sold | $91,757 |
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