Bay County, MI Real Estate | Bay County, MI 4 Bedroom Homes for Sale

Experience waterfront living at its finest in this spacious 2,416-square-foot, 4-bedroom, 2-bathroom home on beautiful Bay Road in Bay City. With breathtaking panoramic views of the bay from the upper-level primary bedroom, this property offers the perfect combination of comfort, efficiency, and year-round enjoyment. Thoughtfully maintained, the home features numerous updates, including a newer roof, boiler, sliding glass doors, and exterior paint. Energy-efficient solar panels help reduce annual utility costs, providing long-term savings and added value. The upper-level bathroom features a spacious sauna, creating the perfect place to unwind after a day on the water or simply relax in the comfort of your own home. Step outside to your own private waterfront oasis featuring a sandy beach that leads to clean, shallow wading waters—ideal for swimming, kayaking, or simply relaxing by the bay. The fenced backyard, spacious concrete patio overlooking the water, and 2-car garage complete the outdoor amenities, making this home perfect for entertaining and everyday living. An added bonus: this waterfront property does not require flood insurance, offering peace of mind and lower ownership costs. Whether you’re searching for a year-round residence or the perfect waterfront retreat, this exceptional property is one you won’t want to miss.

705 Bay Road, Bay City

$349,990

4 Beds ⋅ 2 Baths ⋅ 61003624 MLS

Discover Your Dream Home in the Holly Springs Community! The Cabot Plan offers a spacious open-concept layout, seamlessly connecting the Living, Dining, and Kitchen areas--perfect for entertaining. The modern Kitchen is equipped with shaker cabinets, quartz countertops, and Stainless-Steel Appliances, including an electric smooth top range, microwave hood, and dishwasher. The primary suite features a private bath with dual vanity sinks and a large walk-in closet. There are three additional bedrooms, a stylish secondary bathroom, and a patio ideal for outdoor relaxation. Additional features include Low E insulated dual-pane vinyl windows for energy efficiency and a 1-year limited home warranty. Discover this peaceful neighborhood setting in Monitor Township, nestled within the established Holly Springs subdivision. This corner lot community offers a quiet residential feel with convenient access to key Bay City corridors, including Midland Road and nearby local routes that make daily travel simple and efficient. Public water and sewer services support the neighborhood infrastructure, adding to the ease of living.

2299 Holly Ridge Lane, Bay City

$364,990

4 Beds ⋅ 3 Baths ⋅ 61003572 MLS

Discover Your Dream Home in the Holly Springs Community! The elegant Kingston Plan is a two-story home that features a welcoming flex room and an open-concept design where the Great Room, Dining Area, and gourmet kitchen seamlessly connect. The kitchen is a culinary masterpiece with sophisticated cabinetry, rich quartz countertops, and stainless steel appliances, including a smooth-top range, microwave, and dishwasher. Upstairs, find a primary suite with a private bath featuring dual vanities, a spacious walk-in closet, additional bedrooms, and a practical laundry room. Enjoy leisure time in the versatile game room and benefit from a 2-car garage. With energy-efficient Low-E insulated dual-pane windows, an unfinished basement ,and a 1-year limited home warranty, this home offers both style and functionality. Discover this peaceful neighborhood setting in Monitor Township, nestled within the established Holly Springs subdivision. This corner lot community offers a quiet residential feel with convenient access to key Bay City corridors, including Midland Road and nearby local routes that make daily travel simple and efficient. Public water and sewer services support the neighborhood infrastructure, adding to the ease of living.

2330 Pebble Creek Court, Bay City

$352,990

4 Beds ⋅ 2 Baths ⋅ 61003552 MLS

Discover Your Dream Home in the Holly Springs Community! The Cabot Plan offers a spacious open-concept layout, seamlessly connecting the Living, Dining, and Kitchen areas--perfect for entertaining. The modern Kitchen is equipped with shaker cabinets, quartz countertops, and Stainless-Steel Appliances, including an electric smooth top range, microwave hood, and dishwasher. The primary suite features a private bath with dual vanity sinks and a large walk-in closet. There are three additional bedrooms, a stylish secondary bathroom, and a patio ideal for outdoor relaxation. Additional features include Low E insulated dual-pane vinyl windows for energy efficiency and a 1-year limited home warranty. Discover this peaceful neighborhood setting in Monitor Township, nestled within the established Holly Springs subdivision. This corner lot community offers a quiet residential feel with convenient access to key Bay City corridors, including Midland Road and nearby local routes that make daily travel simple and efficient. Public water and sewer services support the neighborhood infrastructure, adding to the ease of living.

4663 N West View Drive, Bay City

$299,900

4 Beds ⋅ 2 Baths ⋅ 50211829 MLS

Welcome to Kopka Ct., Bay City. A highly sought after neighborhood in the quiet & peaceful south end of Bay City. Enter into the backyard oasis and be greeted with the beauty and serenity of a beautiful backyard highlighted by an enticing 18x36 inground pool with newer liner. In the cooler months enjoy the comfort of a Mendota gas fireplace that heats the entire first floor. This home includes four bedrooms and two baths. The main floor bathroom has a toasty heated floor. 1,728 sq. ft. of living space. The kitchen includes beautiful custom-built cabinets by Lloyds. The stainless steel kitchen sink has a convenient touch faucet. Newer furnace and air. There is a separate water meter for all outdoor usage, including filling the pool. Much more!

2411 Kopka Court, Bay City

$70,000

4 Beds ⋅ 1 Baths ⋅ 80069760 MLS

Possible Land Contract Available â€“ Bay City Investment Opportunity! Looking for an affordable home in Bay City, Michigan with investment potential? This 4-bedroom, 1-bath home offers a rare opportunity for first-time home-buyers, investors, landlords, or anyone looking to build instant sweat equity. Situated on a desirable corner lot with a fenced yard, this property features a full basement, carport, spacious floor plan, and solid construction with plenty of room for updates and customization. Inside, you'll find four bedrooms, including two large upstairs bedrooms, generous living space, and a full basement ideal for storage, a workshop, or future finished living area. The home's strong bones provide an excellent foundation for renovation, making it a great fixer-upper, rental property, flip opportunity, or affordable primary residence. Located in Bay City, you'll enjoy convenient access to schools, parks, shopping, restaurants, medical facilities, and major commuter routes. Whether you're searching for a starter home, investment property, income-producing rental, or a home to personalize and make your own, this property checks all the boxes. Property Highlights: Possible Land Contract Terms Available 4 Bedrooms | 1 Bathroom Corner Lot Location Fenced Backyard Full Basement Two Large Upstairs Bedrooms Strong Structural Bones Excellent Sweat Equity Potential Ideal Investment Property or Starter Home Convenient Bay City Location Don't miss this affordable Bay City real estate opportunity with flexible financing options and unlimited potential. Schedule your showing today and discover the value this property has to offer.

807 E North Union Street, Bay City

$269,000

4 Beds ⋅ 2 Baths ⋅ 50211486 MLS

ARE YOU KIDDING ME??? A $30,000 PRICE REDUCTION. SELLER IS ANTSY!! This 6 bedroom 2 full bath beauty sits on a half acre. Two of the bedrooms are walk-thru..one was used for a huge walk-in closet and the second is 14x29!! The kitchen has been completely remodeled with new appliances. Looking into the massive yard you can watch the kids play in their very own tree house with brand new stairs. There is even electricity in it.The main floor bedroom can be shut off from the rest of the house by pocket doors...perfect for guests. And then there is a beautifully paneled library for your favorite novels and a sun room adjacent to the back yard. Every single lighting fixture has been updated ...every wall has fresh paint. Looking for the perfect family home...look no further.

1826 Mckinley Street, Bay City

$146,000

4 Beds ⋅ 2 Baths ⋅ 50209773 MLS

— Fully rented cash flowing duplex with good reliable tenants and the opportunity for even greater NOI. — This two-story home on MCKINLEY AVENUE has been thoughtfully converted into a FULLY RENTED DUPLEX — and it's already doing the work for you. Unit 2 upstairs has been FULLY RENOVATED and is currently LEASED through April. Unit 1 on the main floor is occupied MONTH-TO-MONTH and is ready for a cosmetic refresh when the time is right — a straightforward opportunity to ADD VALUE. Combined, the property brings in STRONG GROSS RENTS with a SOLID NET OPERATING INCOME — full details available in supplements. Each unit offers two bedrooms and one full bath, with a layout that gives both tenants a full floor to themselves. Shared access to the basement means LAUNDRY is covered, and the GARAGE rounds out the amenities nicely. In back, there is room for 4 or more vehicles in the driveway, plus a fenced pet run, which is one of those little details that keeps good tenants around.

1706 Mckinley Avenue, Bay City

$124,900

4 Beds ⋅ 2 Baths ⋅ 50209362 MLS

Money Maker on Main! Well maintained 2 Unit property. Lower Unit includes 3 bedrooms and 1 bath. Upper Unit includes 1 bed and 1 bath with a spacious living room/dining room area. Both units share additional basement storage plus there are 2 washer/dryer hookups available so each unit can have its own laundry. Appliances on site are available with the sale. Both units are currently on month to month leases. Tenants pay all utilities. Spacious driveway provides plenty of parking space.

1006 Main Street, Essexville

$349,900

4 Beds ⋅ 3 Baths ⋅ 50209031 MLS

Welcome to this impeccably maintained condo located in one of the area’s most desirable communities! Offering the ideal blend of comfort, style, and convenience, this spacious home features 4 bedrooms and 3 full bathrooms, including a generously sized primary suite complete with a private ensuite bath and abundant closet space. And the upgrades! The upgrades are what set this condo apart from the rest! Upgrades include gas fireplace, ceiling fans, crown molding, patio tile, shower doors - not to mention an upgrade of the cupboards and faucets! The well-appointed kitchen showcases mostly newer appliances, granite countertops, and opens seamlessly to a warm and inviting dining area, perfect for everyday living or entertaining. Just beyond, you’ll find a charming 3-season room — an ideal retreat to relax and enjoy peaceful outdoor views in comfort throughout much of the year. Additional features include a 2-car attached garage and a full basement offering endless possibilities for storage, recreation, or future finishing. Thoughtfully updated and designed with easy living in mind, this move-in-ready condo is ready for you to call home. Enjoy the space, amenities, and welcoming neighborhood atmosphere — you won’t be disappointed! HOA fees are $300 plus an assessment of $100/yr over next four years.

3117 Gaslight Drive Unit 18, Bay City

$79,900

4 Beds ⋅ 2 Baths ⋅ 50208974 MLS

Seller wants it GONE. Make and offer seller said!!! For the first time in generations, 225 Ingraham St is ready to welcome a new family. This charming 4-bedroom, 2-bathroom residence has been tightly held by the same family for years, preserving its warmth and ensuring it was never subjected to typical rental wear-and-tear. Spanning across two functional levels, the unique blueprint grants the top floor (2 bedrooms, 1 bath) its own private exterior entryway, yielding a world of possibilities for independent living setups. Valuable mechanical updates include vinyl replacement windows and a fresh new roof installed over half the home and the garage structure. From morning coffee on the spacious sunporch to summer gatherings inside the secure safety of the fenced corner yard, this home offers character and space that is harder and harder to find. Tour this neighborhood classic today and envision the possibilities

225 Ingraham Street, Bay City

$449,000

4 Beds ⋅ 4 Baths ⋅ 50207741 MLS

Experience timeless elegance in this extraordinary 4,219 sq ft family residence, originally designed in 1908 by acclaimed architect Albert Kahn. Once serving as a carriage house for a grand estate, this remarkable home is tucked away on a quiet cul-de-sac in Bay City’s sought-after Carroll Park neighborhood, offering an exceptional blend of historic significance and modern luxury. This one-of-a-kind property features 4 bedrooms and 3.5 bathrooms, thoughtfully restored and updated while preserving its distinctive architectural character. Original hardwood floors, heated tile and granite flooring, and three fireplaces create warmth and sophistication throughout the home. A stunning 5 inch thick custom barn door on the second level adds both charm and privacy. The beautifully appointed kitchen is designed for both everyday living and entertaining, showcasing custom pecan cabinetry, granite countertops, stainless steel appliances, and a cozy fireplace. The elegant dining room features an entire wall of built-in cabinetry, while the expansive deck overlooks a private, professionally landscaped backyard perfect for relaxing or hosting guests. Rich in history, the oversized attached garage was once home to the property’s original carriage bays and horse stalls, now thoughtfully adapted for modern convenience while maintaining its authentic character. A serene courtyard enclosed by a privacy wall includes a charming working hand-pump well, creating a peaceful outdoor retreat. Nestled on a beautifully landscaped .36 acre lot, this historic gem offers a rare chance to own a truly unique property where architectural heritage meets contemporary comfort - and your very own piece of Bay City history! #MAKEITHAPPEN

105 Parkwood Court, Bay City

$499,900

4 Beds ⋅ 2 Baths ⋅ 50206766 MLS

Like new open floor plan ranch. Granite kitchen opens to large great room. Master suite with tiled shower, two additional first floor bedrooms. Laundry center, ample closets. Basement finished with 4th bedroom, large 43x15 recroom with full bar. Additional utilty/storage room. Garage is finished in no maintenance interior siding. Loads of concrete driveway + a second rear yard garage. Backs up to B.C. Country Club subdivision with a partial view of the course. Complete landscaping. BEFORE YOU BUILD, SEE THIS HOME !

1266 Freeland Road, Bay City

$619,900

4 Beds ⋅ 4 Baths ⋅ 50206684 MLS

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.

21 Cove Drive, Bay City

$440,000

4 Beds ⋅ 3 Baths ⋅ 50205574 MLS

Space to breathe. Room to Grow! Tucked among mature trees on 2.3 beautifully maintained acres, this custom built home offers the perfect blend of privacy, comfort, and convenience. From the moment you arrive, the winding walkway, welcoming front porch, and peaceful setting create a feeling that's hard to find. Inside, more that 3100 sq ft of thoughtfully designed living space provides room for everything that matters. Hosting holiday, gathering with family, working from home, or simply enjoying the quiet evenings surrounded by nature. The main floor primary suite offers everyday convenience, while spacious living areas and flexible bonus space make this home as functional as it is inviting. Step outside to your private backyard retreat. Imagine morning coffee on the expansive deck, evening relaxing in the hot tub under the stars, summer barbecues with friends, or watching the change from the comfort of your own backyard. There's room to garden, play and entertain. The impressive pole bard provides storage for boats, rec vehicles, equipment, or hobbies, making this property ideal with space and versatility. Located just minutes from the Saginaw Bay, marinas, fishing, golf, outdoor recreation, you'll enjoy all of it. Call to schedule your showing today!

5605 N Shore Road, Pinconning

$129,000

4 Beds ⋅ 2 Baths ⋅ 50204063 MLS

Location is a Plus! The dead end makes it a quiet street. It is within walking distance to walk along the water to uptown and downtown Bay City. There is an alleyway driveway and parking on the street. Great View of the Bay City Fireworks in the summer! Large kitchen with an island bar & a dining room. Has a dry basement for lots of storage room. The first floor bedroom has a large closet and a room that could be used as an office, craft room, playroom or another bedroom. 2 bedrooms upstairs have large closets and a 1/2 bath. Fresh paint and flooring in some of the rooms.

316 Howard Street, Bay City

$65,000

4 Beds ⋅ 2 Baths ⋅ 50199085 MLS

Step back in time with this Queen Anne–style home featuring a welcoming front porch adorned with intricate fretwork. Located in Bay City’s Historic District, this home is a true piece of local history. Inside you’ll find four bedrooms, two full baths, a study, and a dressing room off the primary bedroom. With vision and restoration, this property offers the opportunity to return it to the elegance and grandeur of its original day.

1212 5th Street, Bay City

$149,000

4 Beds ⋅ 2 Baths ⋅ 50198768 MLS

Charming 4-bedroom bungalow near Hewitt Park. This home features 1.5 baths with a upstairs lavatory. Second floor offers two spacious bedrooms with extensive built-in storage. First floor includes a four-piece bath and beautifully finished eat-in kitchen with abundant storage. Partially finished basement. Enjoy the mostly fenced yard and 1+ car detached garage. This gem won't last long, schedule your showing now and make this house your home!

705 S Hampton Street, Bay City

$79,900

4 Beds ⋅ 2 Baths ⋅ 50189978 MLS

Spacious Historic Home with Modern Updates Built in 1900, this Bay City home combines timeless character with thoughtful updates. Offering four bedrooms plus a large den that could serve as a fifth bedroom, there is plenty of room for everyone as well as ample storage throughout. The main level features convenient laundry, hardwood floors in the kitchen and dining areas, and a spacious layout filled with natural light. Recent updates include a super-efficient hydronic hot water heating system, updated electrical and plumbing, remodeled bathrooms, and vinyl windows. Located just blocks from downtown Bay City’s shops, restaurants, and the waterfront, this property blends historic charm with modern comfort.

413 Franklin Street, Bay City

$112,300

4 Beds ⋅ 2 Baths ⋅ 50177275 MLS

Opportunity knocks with this partially renovated property in a desirable, quiet neighborhood just 2.5 miles from Bay access — perfect for quick weekend getaways and enjoying the water in minutes! Heavy lifting is done, with over $35,000 already invested in major upgrades including new furnace & hot water heater, new siding, electrical work, basement improvements, interior demo, and a full cleanout. This 4-bedroom, 1-bath home sits on a 50x100 lot and still offers plenty of room for sweat equity. With good bones and a solid foundation, it’s an ideal opportunity for investors, flippers, or handy buyers looking to capitalize on the remaining renovations. Great potential for resale or rental income in a growing area. Cash or renovation financing only. ***Construction is ongoing and improvements are still currently being performed by seller. Significantly more progress has been made since the pictures were taken.

801 Marchand Street, Bay City

Bay County, MI 4 Bedroom Homes for Sale

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