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21 Cove Dr, Bay City, MI, 48706

4beds
4baths
2,565sqft
$649,900
$253price/sqft
$4,728/moest. monthly cost
$189,120/yrincome needed

About This Home

One-of-a-kind waterfront living awaits in this exceptional custom-built luxury condo, perfectly positioned along the Saginaw River with breathtaking views of Wheeler’s Landing Marina. Completed in late 2024 with impeccable craftsmanship and thoughtful design, this newly constructed residence offers refined riverfront living within one of the area’s most exciting waterfront communities. Designed with barrier-free accessibility and energy-certified construction, this home seamlessly blends elegance, comfort, and efficiency. The sophisticated designer kitchen is both beautiful and functional, featuring granite countertops, a spacious center island with seating, stainless steel appliances including refrigerator, range, microwave, and dishwasher, plus four Philippe Starck pendant lights imported from Italy. A large pantry and coat closet enhance everyday convenience, while rich vinyl plank flooring flows throughout both levels, complementing the home’s modern contemporary style. The expansive open-concept living area is designed to impress with an acoustic feature wall, dedicated HiFi amplifier circuit, TV conduit chase, and fireplace feature wall. Floor-to-ceiling sightlines showcase uninterrupted marina and river views, while abundant natural light fills the space. The living area opens to a covered waterfront patio with ceiling fan, creating the perfect setting for relaxing or entertaining. Additional storage beneath the staircase adds practicality without sacrificing design. The main-floor primary suite offers stunning waterfront views, oversized windows, a spacious walk-in closet, and a beautifully appointed three-piece ensuite with walk-in shower. A conveniently located half bath and main-floor laundry add to the home’s thoughtful layout. Upstairs, a second luxurious primary suite features its own walk-in closet, elegant four-piece ensuite bath, and private balcony overlooking both the marina and river, offering spectacular sunrise and sunset views. Two additional generously sized bedrooms with built-in closets, another beautifully finished four-piece bath, and a second-floor laundry/storage room with GE Profile UltraFast washer/dryer combo provide exceptional comfort and convenience. An additional custom-finished 13x9 storage room offers rare extra space seldom found in condo living. Every room is equipped with Cat 6 LAN wiring and upgraded Decora switches throughout. Additional highlights include a finished 2.5-car attached garage with window, utility room, 96% high-efficiency gas furnace, A/C, energy-efficient insulated windows, high-performance cellulose insulation system, attic storage, and water heater. Built with exceptional attention to detail, quality, and comfort, this remarkable waterfront residence offers the rare advantage of new construction without the wait or expense of building. An added financial benefit, the home qualifies for the Neighborhood Enterprise Zone program, offering approx. 50% off property taxes for up to 14 years.

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
56
BikeBikeable

Schools

5/10
Kolb Elementary SchoolGrades PK-51.5 mi
4/10
Handy Middle SchoolGrades 6-81.0 mi
6/10

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Slab
  • Construction materials: Stone,Vinyl Siding,Vinyl Trim

Type & Style

  • Home type: Condo
  • Architectural style: Traditional
  • Property subType: Condominium

Interior

Appliances

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

Bathroom1

  • Level: Main
  • Area: 70

Bathroom2

  • Level: Second
  • Area: 66

Bathroom3

  • Level: Second
  • Area: 77

Bedroom1

  • Features: Vinyl
  • Level: Main
  • Area: 208

Bedroom2

  • Features: Vinyl
  • Level: Second
  • Area: 192

Bedroom3

  • Features: Vinyl
  • Level: Second
  • Area: 132

Bedroom4

  • Features: Vinyl
  • Level: Second
  • Area: 156

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Features: Vinyl
  • Level: Main
  • Area: 195

Features

  • Walk-In Closet(s),Eat-in Kitchen
  • Window features: Bay Window(s),Window Treatments,Storms/Screens
  • Flooring: Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,565

Heating & Cooling

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

Interior Area

  • Total structure area: 2,565
  • Total interior livable area: 2,565 sqft

Kitchen

  • Features: Vinyl
  • Level: Main
  • Area: 210

Living Room

  • Features: Vinyl
  • Level: Main
  • Area: 414

Master Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: Accessible Bedroom,Accessible Central Living Area,Accessible Closets,Accessible Common Area,Accessible Doors,Accessible Entrance,Accessible Full Bath,Accessible Hallway(s),Accessible Kitchen,Accessible Kitchen Appliances,Wheelchair Accessible,Covered Entrance,No-step Entrance

Details

  • Parcel number: 16002112502100
  • Zoning description: Residential
  • Special condition: Private

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio,Porch
  • Exterior features: Balcony,Lawn Sprinkler
  • Has view: Yes
  • View description: Water,River
  • Has water view: Yes
  • Water view: Water,River
  • On waterfront: Yes
  • Waterfront features: River Front,Waterfront
  • Waterbody name: SAGINAW RIVER

Lot

  • Features: Subdivision,City Lot

Parking

  • Total spaces: 2.5
  • Parking features: 2 Spaces,Garage,Attached,Electric in Garage,Garage Door Opener,Direct Access
  • 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
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Hail
Inland Flooding
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 $3,286$39,432
Home Insurance *$392$4,704
Property Taxes $771$9,252
Electricity $279$3,357
Total$4,728$56,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$162,102/yr
40% on housing$141,840/yr
45% on housing$126,080/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

$253This listing

vs Other Active Listings

Avg $/sqft

ZIP 48706$146
Bay County$114

vs Homes Sold Last Month

Median $/sqft

ZIP 48706$121
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
2026-05-07Listed for sale$649,900

For Sale by Agent

AgentJean Ann Styn-DeShano
BrokerageRE/MAX Results

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