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1014 22nd St, Bay City, MI, 48708

4beds
3baths
4,372sqft
$219,900
$50price/sqft
$2,000/moest. monthly cost
$80,000/yrincome needed

About This Home

Welcome home to this move-in ready gem offering comfort, style, and unique features throughout! The spacious open kitchen flows seamlessly into the living areas, making it perfect for everyday living and entertaining. A stunning double-sided fireplace creates a warm, inviting atmosphere, serving both the living room and family room. Step outside to enjoy your own private, fully fenced backyard—ideal for pets, children, or relaxing with family and friends. Need extra space for your toys? The fenced yard also includes additional parking with room for a boat, trailer, or recreational vehicles. Recent updates provide added peace of mind, including a rubber roof (2017), new chimney crown (2020), fresh interior paint, new carpeting, and some electrical updates. With its thoughtful improvements, versatile outdoor space, and desirable move-in condition, this home is ready for its next owner to enjoy. Don’t miss your opportunity to make this well-maintained home yours—schedule your private showing today!

Getting Around

76
WalkingVery Walkable
0
TransitVery Limited Transit
62
BikeBikeable

Schools

6/10
4/10
Handy Middle SchoolGrades 6-82.1 mi
6/10

Construction

Condition

  • Year built: 1954

Materials

  • Foundation: Basement
  • Construction materials: Brick

Type & Style

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

Interior

Basement

  • Has basement: Yes

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bedroom1

  • Features: Carpet
  • Level: First
  • Area: 195

Bedroom2

  • Features: Carpet
  • Level: First
  • Area: 132

Bedroom3

  • Features: Carpet
  • Level: First
  • Area: 132

Bedroom4

  • Features: Carpet
  • Level: First
  • Area: 132

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Ceramic
  • Level: First
  • Area: 143

Family Room

  • Features: Carpet

Features

  • Flooring: Carpet,Ceramic Tile,Linoleum
  • Number of fireplaces: 1
  • Fireplace features: Dining Room,Decorative
  • Fireplace: Yes
  • Finished area below ground: 2,186
  • Finished area above ground: 2,186

Great Room

  • Area: 228

Heating

  • Heating features: Baseboard,Electric

Interior Area

  • Total structure area: 4,372
  • Total interior livable area: 4,372 sqft

Kitchen

  • Features: Linoleum
  • Level: First
  • Area: 198

Living Room

  • Features: Carpet
  • Level: First
  • Area: 308

Office

  • Area: 234

Property

Details

  • Parcel number: 16002839000400
  • Special condition: Private

Features

  • Levels: One
  • Stories: 1
  • Frontage type: Road
  • Frontage length: 80

Lot

  • Lot size: 9,147 sqft
  • Lot size dimensions: 80 x 110

Parking

  • Total spaces: 2.5
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

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 $1,111$13,332
Home Insurance *$173$2,076
Property Taxes $240$2,880
Electricity $476$5,722
Total$2,000$24,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,571/yr
40% on housing$60,000/yr
45% on housing$53,333/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

$50This 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
2026-08-08Price change$199,900
2026-07-29Listed for sale$219,900
2017-12-20Sold$79,900
2017-11-16Pending sale$79,900
2017-11-07Listed for sale$79,900

For Sale by Agent

AgentShelly VanTol
BrokerageNORTH & COMPANY REALTORS GLBR

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