Bay City, MI Homes for Sale under $400,000

Experience the pinnacle of maintenance-free living in the heart of Uptown Bay City with this impressive third-floor residence. Designed for those who value both luxury and convenience, the home boasts a grand open floor plan accentuated by soaring 10-foot ceilings and premier fixtures. Step out onto your private 144-square-foot balcony to take in spectacular views of the river and the vibrant

James Diedrich Ayre/Rhinehart Bay REALTORS

45 OR 47 COVE DRIVE. NEW CONSTRUCTION – NOT YET BUILT Save Thousands with the NEZ Program! This condo qualifies for the Neighborhood Enterprise Zone, giving you property tax reductions for the first 15 years approximately 50% REDUCTION! Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay City’s

Jean Ann DeShano RE/MAX Results

Reward yourself with this spacious Rueger Farms 4-bedroom ranch. Three full baths, fenced in yard. Enjoy a three-season room that opens up to a 30'x50' hardscape concrete patio. Cherry soft-close cabinets, granite countertops and stainless appliances. Vaulted living room, ensuite with walk-in shower. Private office. Finished lower level with two+ bedrooms, family room and full bath with tiled

Annette Jeske Bay Area Real Estate

Rare opportunity to own one of the largest stand-alone condos in Cortland Farms South. With over 3,500 square feet of finished living space, this home offers the ease of condo living with the size and comfort you would expect from a traditional home. Set in a peaceful pond-side location, the views and natural light are hard to beat. Inside, the main floor features a spacious primary suite with

Kristi Lambert Ayre/Rhinehart Bay REALTORS

57 or 59 COVE DRIVE. NEW CONSTRUCTION – NOT YET BUILT Save Thousands with the NEZ Program! This condo qualifies for the Neighborhood Enterprise Zone, giving you property tax reductions for the first 15 years, approximately 50% reduction. Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay City’s

Jean Ann DeShano RE/MAX Results

49 OR 51 COVE DRIVE. NEW CONSTRUCTION – NOT YET BUILT Save Thousands with the NEZ Program! This condo qualifies for the Neighborhood Enterprise Zone, giving you property tax reductions for the first 15 years approximately 50% reduction. Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay City’s

Jean Ann DeShano RE/MAX Results

Check out this stately brick mansion offering an ideal floorplan with unique spaces for everyone! Includes 7 bedrooms and 5 baths plus storage galore. Five car garage for all of your toys. Did someone say Airbnb? Ultra convenient location combines park-like setting with privacy less than three minutes from prime shopping area. Brand new carpeting and freshly painted throughout. Hurry this one

Jonathan Minerick HomeCoin.com

9 OR 11 COVE DRIVE. NEW CONSTRUCTION – NOT YET BUILT Save Thousands with the NEZ Program! This condo qualifies for the Neighborhood Enterprise Zone, giving you property tax reductions for the first 15 years approximately 50% reduction. Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay City’s

Jean Ann DeShano RE/MAX Results

41 OR 43 COVE DRIVE. NEW CONSTRUCTION – NOT YET BUILT Save Thousands with the NEZ Program! This condo qualifies for the Neighborhood Enterprise Zone, giving you property tax reductions for the first 15 years approximately 50% reduction!! Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay City’s

Jean Ann DeShano RE/MAX Results

53 OR 55 COVE DRIVE. NEW CONSTRUCTION – NOT YET BUILT Save Thousands with the NEZ Program! This condo qualifies for the Neighborhood Enterprise Zone, giving you property tax reductions for the first 15 years, approximately 50% reduction!! Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay City’s

Jean Ann DeShano RE/MAX Results

22 OR 24 COVE DRIVE. NEW CONSTRUCTION – NOT YET BUILT Save Thousands with the NEZ Program! This condo qualifies for the Neighborhood Enterprise Zone, giving you property tax reductions for the first 15 years APPROXIMATELY 50% REDUCTION! Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay City’s

Jean Ann DeShano RE/MAX Results

Enjoy condo living in the Historic Jennison Place Building! With over 1600 sq ft of living space, this beautifully updated (and meticulously maintained) 2 bedroom condo offers the perfect combination of downtown city living with peaceful river views. The remodeled kitchen and open floor plan with walls of windows is perfect for entertaining. There is also a large walk in closet (large enough for

Marie Glinski Century 21 Signature Saginaw

18 or 20 COVE DRIVE. NEW CONSTRUCTION – NOT YET BUILT Save Thousands with the NEZ Program! This condo qualifies for the Neighborhood Enterprise Zone, giving you property tax reductions for the first 15 years, APPROXIMATELY 50% REDUCTION!! Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay City’s

Jean Ann DeShano RE/MAX Results

Fully updated 4-bedroom home with option for a 5th bedroom located in a quiet Bay City neighborhood. Spacious layout offers 2.5 baths, partially finished basement, and oversized 2.5-car garage. Sunroom with skylights provides great natural light and additional living space. Recent updates include brand-new roof, freshly painted exterior, new paint throughout interior, quartz countertops,

MC Fortune HOMEFLO

Timeless character meets endless potential in this stunning historic home. Featuring 4 spacious bedrooms and 2 full bathrooms, this property showcases classic charm with unique architectural details throughout, including a rare second staircase that adds both function and elegance. The home offers a large attic space perfect for future expansion, storage, or creative use. Outside, you’ll find an

Shawn McNeil HOMEFLO

Highly desirable Cortland Farms North “on the pond” stand-alone condo. This sprawling, two-owner ranch condo features 1,800 sq ft with 3 bedrooms and 3 full bathrooms. Spacious Primary Suite with walk-in closet. Second full bath includes a Jacuzzi jetted tub. Functional floor plan includes a formal dining room, 10x10 home office, main floor laundry room, and a family room with gas fireplace that

Clay Hollister Berkshire Hathaway HomeServices, Bay City

Beautifully maintained ranch condo in Courtland Farms South, perfectly positioned on the pond and offering a blend of space, thoughtful updates, and serene water views. This spacious unit features 3 bedrooms, 2.5 bathrooms, and over 1,500 sq ft of bright, open main floor living space with a custom-designed floor plan. Living space is dramatically increased when you include the finished lower

Jeffrey Redmon Non-Member Office

Welcome to 6317 Heather Ridge Drive. This well-maintained 3-bedroom, 3-bathroom condo offers an open floor plan with vaulted ceilings that bring in natural light and add architectural character throughout. The living room features a cozy fireplace, creating a warm and inviting space to gather or relax. The spacious primary suite includes a private bathroom and a large walk-in closet, while

Lindsey Flynn Century 21 Signature Realty

Newly renovated historic Bay City duplex with updated modern appliances, granite countertops, LVP+ flooring, freshly painted interior and exterior with two laundry rooms, new concrete double car driveway with a block wall around the corner lot with flagstone, stamped concrete, and koi pond. Outdoor kitchen with propane grill and natural stone fireplace. Two newly renovated porches and a fully

Gary Hamilton Dollinger & Company, Inc.

Enjoy easy carefree living in this beautiful, well maintained, and spacious stand alone condo with 3 bedrooms and 3 full baths. The main floor offers the convenience of a new washer and dryer, new cook top stove, wall oven, and microwave. You'll love relaxing in the large living room/dining room combo. Enjoy peaceful pond views or cozying up by the fireplace on chilly days. Downstairs there is a

Gretchen Meeker CENTURY 21 SIGNATURE - Mt. Pleasant

Welcome to 3378 State Street Rd. Nestled on 4.5 scenic acres in Bangor Township, this versatile property offers space, functionality, and income potential just minutes from Bay City amenities. The 3-bedroom main residence features convenient main-level laundry, 2 full baths, and an attached garage, making everyday living comfortable and practical. Adding exceptional value is a separate

Howard Diefenbach Century 21 Signature Realty - Bay City

This beautifully crafted new construction home features 3 spacious bedrooms and 2 modern bathrooms, designed with comfort and functionality in mind. The open-concept layout boasts a bright and airy living area, perfect for entertaining or relaxing with family. A contemporary kitchen with sleek finishes and ample storage flows seamlessly into the dining space, while windows throughout the home

Jacob Shabluk RE/MAX Results

Easy commute to Saginaw, Bay City, and Midland, so you can spend less time on the road and more time at home. This well kept 3 bedroom, 2 full bath ranch offers 1,500 square feet on the main floor with an open, vaulted layout that feels bright and easy to live in. The kitchen features stainless steel appliances, counter seating, and a layout that keeps everything connected. Keeping things simple

Rachel Opperman Knockout Real Estate

Kawkawlin River Waterfront! This 3 bedroom, 2 bath home sits on 1.37 acres in Bangor Township with 2,034 sq ft of living space and has direct river access. Perfect for pontooning, kayaking, fishing and so much more! Features include an updated kitchen with granite countertops, first-floor laundry, and two fireplaces. Enjoy the living room plus a separate family room with dual patio doors leading

J & H Home Group Berkshire Hathaway HomeServices, Bay City

SAGINAW RIVER VIEWS – NEXT TO WHEELER LANDING YACHT HARBOR! BONUS IT’S BARRIER FREE ACCESSIBILITY!!! PROPERTY TAXES REDUCED 50% FOR UP TO 15 YEARS!! This stunning 2-bedroom, 2-bath condominium is designed with full barrier-free accessibility, offering step-free living, wide entryways, and an open layout for maximum comfort and convenience. Built with energy-certified construction, the home

Jean Ann DeShano RE/MAX Results

SAGINAW RIVER VIEWS – NEXT TO WHEELER LANDING YACHT HARBOR! BONUS IT’S BARRIER FREE ACCESSIBILITY!!! PROPERTY TAXES REDUCED 50% FOR UP TO 15 YEARS!! If you love the waterfront lifestyle without the waterfront prices, this home is for you! Enjoy scenic river views and the convenience of Wheeler Landing right next door. The studs are up and waiting for you to make this brand new 4 bedroom, 2 1⁄2

Jean Ann DeShano RE/MAX Results

OPEN HOUSE 5/17 12-2pm!! Welcome to your waterfront retreat in Bangor Township, where endless activities await!! This beautiful 3-bedroom home has been carefully upgraded over the past decade. The heart of the home is the stunning kitchen, showcasing elegant Corian countertops, a lovely tile backsplash, soft-close cabinetry, updated lighting, and a new refrigerator. Major improvements provide

Stephanie Wisniewski MI Skye Realty LLC

Prime opportunity in the growing Bay City area! This 10-acre industrial parcel offers an excellent location for development with public water, public sewer, natural gas, and electricity available at the road. The property provides ample space for a variety of industrial or commercial uses, making it ideal for warehousing, manufacturing, storage, or business expansion. Conveniently located with

Thomas Webb Century 21 Signature Realty Midland

PRICE CHANGE! $398,999 Beautiful Move-in ready direct waterfront home offering one of the most accessible price points for waterfront ownership in the area. Located near a state park, this 2-bedroom, 1-bath single-family home provides 975 sq ft of comfortable living space with peaceful water views and a functional layout suited for a primary residence, second home, or short-term rental. No flood

Sherry MacDonald NORTH & COMPANY REALTORS GLBR

Your Gateway to the Bay: The Ultimate Waterfront Retreat Whether you’re a die-hard angler, a weekend cruiser, or someone who just appreciates a sunrise over the water, this 3-bedroom, 2-bathroom story and a half is the "Sportsman’s Paradise" you’ve been waiting for, located in the desirable Bangor Township area. This property boasts a sprawling 100-foot wide lot anchored by a pristine, heavy-duty

James Diedrich Ayre/Rhinehart Bay REALTORS