1401 Garfield Ave, Bay City, MI, 48708
About This Home
Whether you're looking to expand your investment portfolio or add a well-maintained income producing property to your portfolio, this nicely updated duplex is a fantastic opportunity! Both units are currently occupied, providing immediate rental income. The lower unit offers a spacious 2-bedroom, 1-bath layout with updated flooring, fresh paint, and a newer bathroom. The upper unit features a 1-bedroom, 1-bath layout with fresh paint, updated flooring, an updated bathroom, and generous walk-in closets for excellent storage. Additional highlights include newer windows, a full basement with abundant storage, a beautifully landscaped yard, and a newer front porch that adds great curb appeal. Call today for your private tour.
Getting Around
Very Walkable
Very Limited Transit
Very BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Foundation: Basement
Type & Style
- Home type: MultiFamily
- Property subType: Multi Family
Interior
Appliances
- Appliances included: Range/Oven,Refrigerator,Gas Water Heater
Basement
- Has basement: Yes
- Basement: Block,Full
Bathroom
- Features: First Flr Bath Lav/Half,Second Flr Bath Lav/Half
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Walk-In Closet(s)
Heating & Cooling
- Heating features: Wall Furnace,Forced Air
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 1,516
- Total interior livable area: 1,516 sqft
Property
Details
- Parcel number: 16003313700100
- Special condition: Private
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Porch
- Frontage length: 50
Lot
- Lot size: 5,662 sqft
- Features: Sidewalks,Main Street
- Lot size dimensions: 50 x 110
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
- Winter Weather
- Hail
- 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 | $647 | $7,764 |
| Home Insurance * | $100 | $1,200 |
| Property Taxes | $139 | $1,668 |
| Electricity | $188 | $2,259 |
| Total | $1,074 | $12,888 |
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 |
|---|---|---|
| 2026-08-17 | Contingent | $128,000 |
| 2026-07-13 | Listed for sale | $128,000 |
For Sale by Agent
View on Zillow