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804 19th St, Bay City, MI, 48708

3beds
2baths
1,200sqft
$94,900
$79price/sqft
$844/moest. monthly cost
$33,760/yrincome needed

About This Home

This 1,200 square foot 3 bedroom 1 & 1/2 bath home with basement and 1.5 car garage new in 2025 with fenced yard that has been freshly seeded. Formal dining and eat-in kitchen, 1 first floor bedroom, 1st floor up-dated laundry, most windows replaced, central air and a full front porch! Newer roof too.

Getting Around

74
WalkingVery Walkable
0
TransitVery Limited Transit
57
BikeBikeable

Schools

6/10
4/10
Handy Middle SchoolGrades 6-82.0 mi
6/10

Construction

Condition

  • Year built: 1890

Materials

  • Foundation: Basement
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range/Oven,Refrigerator,Washer,Gas Water Heater
  • Laundry features: First Floor Laundry,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Block,Full

Bathroom1

  • Level: First

Bedroom1

  • Features: Wood
  • Level: Second
  • Area: 156

Bedroom2

  • Features: Vinyl
  • Level: Second
  • Area: 90

Bedroom3

  • Features: Carpet
  • Level: First
  • Area: 104

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 108

Features

  • Eat-in Kitchen
  • Flooring: Wood,Vinyl,Carpet
  • Finished area below ground: 0
  • Finished area above ground: 1,200

Heating & Cooling

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

Interior Area

  • Total structure area: 2,136
  • Total interior livable area: 1,200 sqft

Kitchen

  • Features: Vinyl
  • Level: First
  • Area: 168

Living Room

  • Features: Carpet
  • Level: First
  • Area: 210

Property

Details

  • Parcel number: 16002838000200
  • Zoning description: Residential
  • Special condition: Private

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Porch
  • Exterior features: Sidewalks
  • Fencing: Fenced,Fence Owned
  • Frontage type: Road
  • Frontage length: 50

Lot

  • Lot size: 4,791 sqft
  • Features: Sidewalks,City Lot
  • Lot size dimensions: 50 x 100

Parking

  • Total spaces: 1.5
  • Parking features: Detached,Electric in Garage
  • Has garage: Yes
  • Attached garage spaces: 1.5
  • Covered spaces: 1.5

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
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Winter Weather
Hail
Lightning
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 $479$5,748
Home Insurance *$74$888
Property Taxes $103$1,236
Electricity $188$2,259
Total$844$10,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$28,937/yr
40% on housing$25,320/yr
45% on housing$22,506/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

$79This listing

vs Other Active Listings

Avg $/sqft

ZIP 48708$75
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
2026-05-04Price change$119,900
2026-04-23Listed for sale$124,900

For Sale by Agent

AgentCynthia A Sinicki
BrokerageCindy Sinicki Realty

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