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1112 Michigan Ave, Bay City, MI, 48708

4beds
1baths
1,952sqft
$114,900
$59price/sqft
$1,007/moest. monthly cost
$40,280/yrincome needed

About This Home

Back on the market at no fault of the seller. Buyer financing fell through, creating a new opportunity. Spacious 4-bedroom home (could be a 5 bedroom) offering nearly 2,000 square feet of living space with plenty of potential. First floor laundry. The home features a flexible layout with a pass-through bonus room that could serve as an office, nursery, playroom, or additional living space. This classic home offers large rooms and the character often found in older properties. With a solid layout and generous space throughout, it provides a great opportunity for a buyer to update and customize the home to their own style while building equity. The detached garage is set up as a great hangout or man-cave space, perfect for hobbies, projects, or entertaining. The home also features a full basement that provides additional storage and utility space, along with an extra toilet for added convenience. With great space inside and out, this home offers a fantastic opportunity for the next owner to make it their own.

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
52
BikeBikeable

Schools

5/10
4/10
Handy Middle SchoolGrades 6-82.7 mi
6/10

Construction

Condition

  • Year built: 1893

Materials

  • Foundation: Basement
  • Construction materials: Aluminum Siding,Vinyl 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

Basement

  • Has basement: Yes
  • Basement: Block

Bathroom1

  • Features: Vinyl
  • Level: First
  • Area: 35

Bedroom1

  • Features: Wood
  • Level: First
  • Area: 132

Bedroom2

  • Features: Carpet
  • Level: Second
  • Area: 192

Bedroom3

  • Features: Other
  • Level: Second
  • Area: 120

Bedroom4

  • Features: Carpet
  • Level: Second
  • Area: 156

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Vinyl
  • Level: First
  • Area: 195

Features

  • Flooring: Wood,Carpet,Other,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,952

Heating & Cooling

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

Interior Area

  • Total structure area: 2,932
  • Total interior livable area: 1,952 sqft

Kitchen

  • Features: Vinyl
  • Level: First
  • Area: 176

Living Room

  • Features: Vinyl
  • Level: First
  • Area: 286

Property

Details

  • Parcel number: 0916003333001100
  • Special condition: Private

Features

  • Levels: Two
  • Stories: 2
  • Frontage type: Road
  • Frontage length: 54

Lot

  • Lot size: 5,227 sqft
  • Lot size dimensions: 5461

Parking

  • Total spaces: 1
  • Parking features: Detached,Electric in Garage,Workshop in Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Hail
Tornado
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 $580$6,960
Home Insurance *$90$1,080
Property Taxes $125$1,500
Electricity $212$2,554
Total$1,007$12,084
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$34,525/yr
40% on housing$30,210/yr
45% on housing$26,853/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

$59This 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
2026-03-25Price change$114,900
2026-03-06Listed for sale$115,000

For Sale by Agent

AgentChristopher Craves
BrokerageGold Pine Real Estate

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