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$290,000
3 Beds ⋅ 2 Baths ⋅ 50221517 MLS
Centrally located Williams Township home! This three bedroom home is ready and waiting for new owners to make it their own. Enjoy the spacious rooms and nice floor plan. The eat in kitchen has plenty of cabinets and counter space and will allow the cook in the family ample space to prepare their meals. You can enjoy the view of the backyard from the dining space through the sliding glass doors or perfectly placed window. In the main living space you have plenty of space to spread out while enjoying easy access to the areas of the home. There are three generous sized bedrooms all contains large closets and ceiling fans. The master has it's own bath and double closets. The full basement is wide open and ready for you to complete to fit your needs. Easily could accommodate a rec room, gym area, office space and more. Large storage room with your mechanicals, built in storage shelves and the laundry area. Along with an extra stool and sink that could be easily enclosed. Attached to the home is a Huge attached garage and the bonus is the extra 30x40 3 car garage located in the fenced backyard. Easy access through the wide side gate and plenty of room for all your big toys or project space. This is a rare find in a great location. Call today for your personal showing.

4888 11 Mile Road, Auburn
$127,900
3 Beds ⋅ 2 Baths ⋅ 50221455 MLS
A Real Find on Fremont! This 3 bedroom +Den, 1.5 bath home has good sized rooms throughout with vinyl windows offering bright and airy feel to the main level. The home offers a large covered side porch as well as the more formal front door on Fremont Ave. Plenty of counter space, Fireplace, Flooring is mostly wood and carpet, Full Basement is bright with an abundance of storage. Built in 1925, this home offers charm, workmanship, and a comfortable "Welcome Home" feel. Make your appointment today!

1008 Fremont Avenue, Bay City
$149,900
3 Beds ⋅ 3 Baths ⋅ 50221253 MLS
Welcome to a high-potential 3-bedroom, 2.5-bathroom single-family home that offers incredible space and exceptional flexibility. Originally designed with a two-unit setup—complete with separate utilities and dedicated washer/dryer hookups in the garage—this property has been seamlessly converted back to a single-family home while retaining all the infrastructure for multi-family potential. Inside, you will find a light-filled, comfortable living room leading into a spacious main floor bathroom featuring a luxurious jacuzzi tub. All three bedrooms boast oversized closets for exceptional storage, complemented by a full unfinished basement that provides endless room for expansion or additional storage. Outdoors, the low-maintenance, fully fenced yard is enhanced by several producing fruit trees, while the expansive driveway comfortably accommodates two to four vehicles. The detached single-car garage, rebuilt in 2011, is a hobbyist's dream, complete with electrical outlets positioned every six feet. Major updates provide true peace of mind, including a newer electrical panel, brand-new front and back porches and steps added just two years ago, a 9-year-old roof, and durable vinyl siding installed on both the home and garage in 2011. Central ductwork and connections are already in place for future central A/C (requiring only a main condenser unit), with window/wall cooling units included to keep the home comfortable. Conveniently located and packed with unique features, this property is ready for its next chapter! Call to schedule your private showing today!

201 State Street, Bay City
$219,900
3 Beds ⋅ 3 Baths ⋅ 50221219 MLS
Turn key and ready for its new owner, this 3-bedroom, 2.5-bath home offers an updated kitchen with quartz countertops at its center. Two separate living rooms give the layout flexibility and space to spread out, with beautiful hardwood floors carried throughout all bedrooms and living areas. The back living room centers around a gas fireplace, creating a warm, inviting gathering space. Main floor laundry adds everyday convenience, and central air keeps the home comfortable year-round. The basement is tall and partially finished, offering excellent potential for additional living or storage space. Outside, the home sits at the dead end of a quiet Monitor Township road, offering exceptional privacy. The fenced backyard is anchored by a stunning patio area that functions as a private outdoor retreat, complete with a storage shed and a detached 20x26 garage. A new roof in 2020 adds long-term peace of mind. This is a home that has been well cared for and is ready to welcome its next owner. Schedule your private showing today!

5404 Christena Road, Bay City
$75,000
3 Beds ⋅ 1 Baths ⋅ 50221184 MLS
Welcome to this 3 bedroom, 1 bathroom property offering a functional layout and plenty of potential to make it your own. The home features a spacious kitchen with room for meal preparation and gathering, along with a comfortable living room with lots of natural light. Outside, you’ll appreciate the fully fenced yard, an established garden area, fruit trees, and storage sheds that provide additional space for tools, equipment, or hobbies. A newer furnace and on-demand hot water heater add value and convenience. With a functional layout and enjoyable outdoor space, this property offers a great opportunity to settle in and make it your own. Come take a look and see what this home has to offer!

2004 Marsac Street, Bay City
$149,900
3 Beds ⋅ 1 Baths ⋅ 50221156 MLS
Welcome to your new home. This cozy 3-bed, 1-bath property features an attached garage and a peaceful country atmosphere, offering the perfect blend of comfort and quiet living. The roof was new in 2019, so plenty of life left in it. Located just 10 minutes from Bay City, you’ll enjoy easy access to town while still having plenty of space to unwind. Outdoor enthusiasts will love being only 1.4 miles from a public boat launch—ideal for fishing, kayaking, and weekend adventures. A charming home that brings together simplicity, nature, and convenience.

277 N Elevator Road, Linwood
$179,900
3 Beds ⋅ 2 Baths ⋅ 50221154 MLS
One Owner ranch style home in the country 5 minutes from town offers convenience for shopping, banking, schools and much more. Move in at closing to this well maintained home with 3 bedrooms with 1 1/2 baths. Home features over an acre with 2 extra storage buildings besides the sprawling 2 car detached garage. Living room with cathedral ceilings and sliding glass doors lead to a deck overlooking the backyard where wildlife will wander onto the property and add that tranquility you are longing for in a home. Central air, stove, washer and dryer remain. Priced below SEV

4711 N Elevator Road, Pinconning
$199,000
3 Beds ⋅ 2 Baths ⋅ 50221098 MLS
Looking for a spacious one-story home with a peaceful rural feel while remaining close to everyday necessities? This quality-built home welcomes you with generous room sizes and a layout that naturally invites hospitality and easy get-togethers. The open kitchen and dining area features beautiful wood cabinetry, abundant storage, and ample countertop space, and comes fully applianced. The home offers three comfortable bedrooms, 1.5 bathrooms, and thoughtful storage throughout. Outside, enjoy a generous .33-acre yard, perfect for relaxing or entertaining, along with an attached, finished two-car garage and three storage sheds for added convenience and storage. A bonus for buyers—immediate occupancy is available, allowing you to move in right after closing!

515 W Edwin Street, Linwood
$158,800
3 Beds ⋅ 1 Baths ⋅ 50221083 MLS
Move-in ready and freshly renovated, this 1,000-square-foot Essexville home sits on a 60x100 lot and has been thoughtfully updated from top to bottom, with no one having lived in it since the work was completed. The 1.5-car attached garage connects to the home through a breezeway, and the yard is nearly 90% fenced, a rare find on a low-traffic street. Roof and windows were updated roughly a decade ago, giving buyers added peace of mind. Inside, fresh paint and new flooring run throughout the entire home, creating a clean, cohesive feel from room to room. The bathroom has been fully renovated, and the kitchen includes a new dishwasher. A full basement offers excellent storage and future potential. Every detail here reflects a genuine, top-to-bottom refresh prepared and ready for its next owner. The owner of the property is a licensed real estate broker in the state of Michigan.

2108 Tackle Street, Essexville
$279,900
3 Beds ⋅ 2 Baths ⋅ 50221069 MLS
A must see, fully renovated home! This 3 bedroom, 2 full bath home in Bangor Township underwent a massive renovation and partial reconstruction in 2025/2026. Brand new roof, vinyl siding, all new windows & doors, a gutted and expanded first floor bathroom with dual sinks, reconfigured floor plan and brand new kitchen & appliances, added first floor laundry & full bathroom in the basement. Mechanical updates include: new electrical, furnace, central air and on-demand hot water. This home is not only beautiful but gives you peace of mind with all major updates and is completely move-in ready! Schedule your private tour today!

602 Webb Drive, Bay City
$325,500
3 Beds ⋅ 3 Baths ⋅ 70556917 MLS
Enjoy the perfect blend of country living & convenience in this meticulously maintained home, just minutes from I-75, shopping, dining, and everyday amenities. A rare opportunity to own a beautifully maintained one-owner home in desirable Monitor Township with room to relax, entertain, and enjoy the outdoors, all just minutes from town. 200 Amp electrical service, 220volt hot tub hook up on deck.

3884 S 2 Mile Road, Bay City
$349,900
3 Beds ⋅ 3 Baths ⋅ 50220900 MLS
Discover the perfect blend of comfort, space, and convenience at this beautifully maintained 3-bedroom, 2½-bath home nestled on approximately 0.64 acres of beautifully landscaped grounds in MONITOR Twp. Built in 1993, this inviting home offers 1,640 square feet of finished living space, along with a full basement, attached garage, outdoor entertaining areas, and plenty of room to enjoy the property. Step inside and immediately appreciate the welcoming open feel created by the vaulted ceilings and spacious living room. A gas fireplace provides a warm focal point and makes the living area an inviting place to relax or gather with family and friends. The adjoining dining area features a sliding door that opens toward the outdoor living space, creating an easy flow for entertaining during the warmer months. The efficient kitchen offers ceramic flooring, pantry storage, and convenient bar seating for four to five people. Whether you're preparing a quick breakfast or hosting dinner, the layout provides practical workspace while remaining connected to the main living areas. One of the home's standout features is the first-floor primary bedroom suite. Featuring vaulted ceilings, a walk-in closet, and a beautifully appointed private bath, this spacious retreat provides comfort and convenience without the need to navigate stairs. A first-floor laundry adds another level of everyday practicality. Upstairs you'll find two additional bedrooms and a full bathroom, providing flexible space for family, guests, a home office, or hobbies. The home's bathrooms have been remodeled, adding to its appeal. The lower level offers a full basement with an egress/daylight window, providing valuable additional space for storage, recreation, a workshop, or future finishing possibilities. Car enthusiasts, hobbyists, and those needing extra storage will appreciate the 20 x 24 attached finished garage, complete with pull-down attic stairs for additional storage. The large driveway provides generous parking capacity, with the previous listing noting room for approximately 8–10 vehicles. A 12 x 16 storage shed adds even more useful space for lawn equipment, tools, and outdoor belongings. Outside, the property truly shines. The expansive, manicured yard provides room to relax, garden, play, or entertain. Enjoy summer evenings on the deck and patio area, with the covered gazebo creating a wonderful spot for outdoor gatherings. Numerous updates add peace of mind, including a Generac whole-house generator, hot water heater, and two sump pumps updated in 2020. The furnace and central air were updated in 2011, and the roof was updated in 2013.

2988 E Fisher Road, Bay City
$129,900
3 Beds ⋅ 1 Baths ⋅ 50220785 MLS
Space, updates, and a large private yard come together in this 3-bedroom, 1-bath home situated on a double lot! Offering approximately 1,551 sq ft of living space plus an additional 1,034 sq ft unfinished basement, this 1900-built home provides plenty of room to spread out and make it your own. The current layout offers 3 bedrooms with the potential to easily create a 4th bedroom, home office, playroom, or additional flex space. Several major improvements have already been completed, including a new furnace, new central air, new hot water heater, and all new windows, taking care of some of the big-ticket items. The full bathroom has also been gutted and remodeled. Inside, you’ll find spacious rooms, plenty of natural light, and a large kitchen offering abundant cabinetry and storage. Generous living areas provide flexibility for a variety of uses, while the 1,034 sq ft unfinished basement offers plenty of additional storage, workshop space, or future possibilities. Outside is another highlight! The double lot totaling approximately .17 acres provides a large, privacy-fenced yard, offering plenty of room for pets, entertaining, gardening, or simply relaxing outdoors with added privacy. With major mechanical updates already completed, a remodeled bathroom, plenty of living space, a full basement, and a large fenced yard, this property offers a great combination of space, updates, and potential. Property is being sold AS-IS. Buyer is welcome to conduct inspections for informational purposes; however, the Seller does not intend to make repairs or provide repair concessions.

709 S Jackson Street, Bay City
$40,000
3 Beds ⋅ 1 Baths ⋅ 61027203 MLS
Investor special with tons of potential! Whether you're looking for your next flip, BRRRR opportunity, or a property to renovate and make your own, this home is priced to sell and priced according to its current condition. The property features original hardwood floors along with several major updates, including a newer roof, electrical, furnace, and water heater. With some renovation and finishing touches, this property offers a great opportunity to add value and bring it back to life. Bring your vision and take advantage of this affordable investment opportunity! Open to seller financing. Property is being sold as is.

220 N Grant Street, Bay City
$329,900
3 Beds ⋅ 3 Baths ⋅ 50220675 MLS
Welcome to luxury living on the Bay City Country Club! This impressive 2,400 sq. ft. end-unit condo offers a spacious and thoughtfully designed floor plan with 3 bedrooms and 2.5 bathrooms. The large living room features a cozy fireplace and beautiful views overlooking the 5th hole, creating the perfect setting to relax or entertain. The main level includes a spacious primary suite, first-floor laundry, and a den ideal for a home office or additional sitting area. Upstairs provides additional bedrooms and plenty of space for guests. An attached 2-car garage adds convenience and storage. Enjoy low-maintenance condo living, golf course views, and a premier location at the Bay City Country Club. As an added benefit, the special assessment has been paid in full!

2698 Oakmont Drive, Bay City
$90,000
3 Beds ⋅ 1 Baths ⋅ 50220668 MLS
Welcome home! This 3-bedroom, 1-bath home on a corner lot offers a great opportunity for first-time home buyers looking for a place to call their own. The home features a convenient main-floor laundry, attached garage, and fenced yard providing added outdoor space to enjoy. With a practical layout and features buyers are looking for, this home is a great opportunity to build equity and make it your own. Don't miss your chance to take a look!

700 24th Street, Bay City
$284,500
3 Beds ⋅ 1 Baths ⋅ 50220284 MLS
Enjoy the peace and privacy of this spacious ranch nestled on a beautiful treed lot in the country. The massive living room features warm wood floors and a cozy wood-burning fireplace, creating the perfect space to relax or entertain. The kitchen offers an abundance of cabinets and counter space, while the large mudroom provides a convenient entry from the attached 2.5-car garage. Three bedrooms include two exceptionally large rooms with built-in storage, eliminating the need for bulky dressers. The full basement adds even more living space with a large family room plus two additional rooms ideal for a home office, craft room, hobby space or whatever fits your needs. Outside, enjoy your private patio surrounded by trees and plenty of peace and quiet. A wonderful country setting with plenty of space both inside and out!

1175 S Boutell Se Rd. Road, Bay City
$339,900
3 Beds ⋅ 4 Baths ⋅ 50220232 MLS
You must see this 1866 sq ft all brick ranch home sitting on a full 12 block basement with egress, 3 piece basement bath, furnace 2024, water heater 2023, c-air 2025, sump pump with battery back up. Home is open concept with hardwood floors in living and dining rooms, tile in 4 piece bath, hall and foyer. Master suite offering walk in closet + double closet, 5 piece bath including jetted tub, shower and double sinks. A second full bath on the main level at the other side of this amazing home sits between the 2nd & 3rd bedrooms. Huge eat in kitchen with tons of storage and counter space has newer gas range and refrigerator. Gas fireplace in living room. Pella Windows. Roof new in 2025. 1st floor laundry with even more cabinetry. 22x22 attached direct access garage and 27x27 extra garage with heat and 1/2 bath. Relaxing porch on the front, deck on the beck in the fenced in yard. Dreams do come true!

1008 Nebobish Street, Essexville
$359,990
3 Beds ⋅ 2 Baths ⋅ 61025500 MLS
Discover Your Dream Home in the Holly Springs Community! The Darlington 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 two additional bedrooms, and a stylish secondary bathroom. Additional features include Low E insulated dual-pane vinyl windows for energy efficiency, an unfinished basement, 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.

4708 Holly Ridge Lane, Bay City
$359,990
3 Beds ⋅ 2 Baths ⋅ 61025479 MLS
Discover Your Dream Home in the Holly Springs Community! The Darlington 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 two additional bedrooms, and a stylish secondary bathroom. Additional features include Low E insulated dual-pane vinyl windows for energy efficiency, an unfinished basement, 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.

4656 N West View Drive, Bay City
$359,990
3 Beds ⋅ 2 Baths ⋅ 61025511 MLS
Discover Your Dream Home in the Holly Springs Community! The Darlington 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 two additional bedrooms, and a stylish secondary bathroom. Additional features include Low E insulated dual-pane vinyl windows for energy efficiency, an unfinished basement, 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.

4684 Holly Ridge Lane, Bay City
$185,000
3 Beds ⋅ 1 Baths ⋅ 50220179 MLS
If you're looking for land, room to roam, and a place you can make your own, this is it! This single story country 3 bedroom home offers an eat in kitchen with wood cabinets, large living room with fireplace, walk in tile shower, and a big breezeway. The master bedroom has french doors leading to a small deck out back, creating a nice space to sit out morning or evening. The one car garage is much larger and could be converted to a 2 or 3 car, additional storage, or workshop. The lot is lovely, with fruit trees and plenty of room for a garden. Add your personal touches and make this one your own.

1946 E Parish Road, Kawkawlin
$289,900
3 Beds ⋅ 2 Baths ⋅ 50220176 MLS
Welcome to 4677 Bloomfield Dr in Monitor Twp! This one-owner, sprawling brick ranch was built in 1964 and is nestled in a highly sought-after neighborhood. Immaculately cared for throughout, this solid, well-built home offers 1,750 sq ft with 3 bedrooms, 2 full bathrooms, a full basement and an attached 2-car garage with a finished interior. The spacious first floor features both a living room with a real wood-burning fireplace and a comfortable family room area, along with convenient first-floor laundry and central air. The updated oak kitchen boasts beautiful quartz countertops, while the updated bathroom features a tiled tub surround and granite countertop. One of the bedrooms even includes a sink for added convenience and versatility. Additional updates include the furnace, plumbing and electrical. Outside, enjoy the relaxing covered front porch or the cement patio overlooking the fully fenced backyard. The generous 94x193 lot also includes a storage shed. The tall, dry basement provides plenty of storage and includes a finished room that would make an ideal home office, exercise room or hobby space, along with another 46x13 room that is just waiting to be finished. Pride of ownership is evident throughout this immaculately maintained home. Priced accordingly to allow the next owner the opportunity to add their own personal touches and make this wonderful home their own. Keys at closing!

4677 Bloomfield Drive, Bay City
$524,900
3 Beds ⋅ 5 Baths ⋅ 50220083 MLS
Kawkawlin Township 3 bedroom ranch home with 2200+ Sq Ft, full basement, attached garage, 3 full baths plus 2 half baths situated on 12 1/2 acres of wooded property w/trails and 2 large outbuildings which include 2 horse stalls with room for at least one additional stall. This unique find features vaulted ceilings, Epoxy counter tops, 1st floor laundry, basement that would accommodate 3 extra bedrooms, open floor plan and so much more! Set your showing today and see the endless possibilities for yourself. Sale also includes parcel's 080-017-200-025-06 & 080-017-200-025-08 * Some photos have been digitally enhanced or staged.

1140 S Fraser Road, Kawkawlin
$328,000
3 Beds ⋅ 3 Baths ⋅ 50220076 MLS
**Rare Country Ranch Charmer!** Homes like this don’t come around often! This 3-bedroom, 3-bath ranch offers the perfect blend of peaceful country living and everyday convenience, all situated on over an acre. And the real bonus? A massive 44x100' outbuilding providing incredible space for storage, hobbies, projects, equipment, or whatever you need! The convenient one-story layout makes this home a great fit for just about anyone—from a first-time buyer to those looking for a comfortable place to retire. You’ll love waking up to beautiful country sunrises and winding down with stunning sunsets across the open landscape. It’s truly the American dream! Enjoy the best of both worlds with natural gas and city water—city amenities in the country! The added bonus living/hot tub room creates the perfect space to relax at the end of the day or entertain friends and family. If you’ve been dreaming of more space, more privacy, and the peacefulness of the country, this one is worth seeing. Come take a look and see why country living is the way to go!

1449 S Farley Road, Munger
$264,900
3 Beds ⋅ 3 Baths ⋅ 50219951 MLS
Welcome to this beautiful, updated 3-bedroom, 2.5 bath home in desirable Hampton Township! Featuring a spacious kitchen with granite countertops, a comfortable primary bedroom suite, and plenty of flexible living space. The lower level offers the potential for a 4th bedroom, home office or additional living area. Enjoy outdoor living on the brick patio, perfect for relaxing or entertaining. This move in ready home combines modern updates with comfortable living in a great location! Must see!!

1499 Lesperance Court, Essexville
$120,000
3 Beds ⋅ 2 Baths ⋅ 50219935 MLS
Welcome to this freshly updated, move-in-ready home on a spacious corner lot. This 3-bed, 2-full-bath property blends comfort, convenience, and thoughtful upgrades throughout. The layout offers great flow, with two separate mudrooms, one in the front entry and another off the back driveway. The home features two full driveways, providing plenty of parking for guests, work vehicles, or multiple drivers. Outside, enjoy a relaxing deck ideal for morning coffee, evening unwinding, or weekend entertaining. With its corner-lot setting, updated interior, and practical everyday features, this home delivers both charm and functionality.

301 S Catherine Street, Bay City
$120,000
3 Beds ⋅ 2 Baths ⋅ 50219934 MLS
This 3-bedroom, 1-bath property blends comfort, functionality, and bonus space that’s hard to find at this price point. One of the standout features of this home is the bonus entry room, providing extra storage, mudroom convenience, or a cozy sitting area. Just off this space is an additional bonus room. The full basement provides plenty of storage space and the half bathroom. Outside, the property offers a manageable yard with room to relax, garden, or entertain. There is a large, relaxing front porch to sit and have your morning coffee. Located close to shopping, schools, parks, and major roadways, this home delivers both convenience and value.

503 E Clara Street, Bay City
$1,200,000
3 Beds ⋅ 2 Baths ⋅ 50219744 MLS
Million dollar view from the sunroom. 3 lots at the mouth of the Kawkawlin River as it enters the Saginaw Bay (Lake Huron). 237 feet on the bay. Sandy beach faces the bay. Nice seawall and walkway along the river (200 feet). 3 bedroom 2 bath ranch style home with 2 car attached garage. Windows in the living face both the river and the bay. Master bedroom windows face the river. Step from the dining room into the sunroom through the slider and relax with the water views. Sunroom is approx. 36 x 10 feet. Home is dated and is awaiting your personal remodeling touch.

227 Bayside Park Drive, Bay City
$84,000
3 Beds ⋅ 1 Baths ⋅ 50219667 MLS
3 bed 1 bath home with full basement and covered porch currently a rental with long term tenant at $925 month property is maintained close to all amenities

203 S Warner Street, Bay City