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$25,000
50220140 MLS
**Two-Story Boat House with direct access to Saginaw Bay** Situated along the water with access leading out to the Saginaw Bay and includes a shared dock with the neighboring lot. Equipped with electricity and water and has been freshly painted. The main level features a small, kitchen area with countertop space, a refrigerator and microwave. Upstairs is a small carpeted lodging area with two windows, drywalled and insulated. **Property Features:** * Two-story boat house * Water access leading to Saginaw Bay * Shared dock * Electricity and water * Fresh interior paint * Refrigerator and microwave * Small kitchenette/counter area * Upper-level lodging area * Carpeted upper level with two windows * Drywalled and insulated * Outdoor storage * **No trash pickup** Right in between Bay City Yacht Club and Sunset Shores Yacht Club without the Yacht Club fees. Green and White Lighthouse Not included

4952 Oak 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
$1,200,000
3 Beds ⋅ 2 Baths ⋅ 80072050 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
$700,000
5 Beds ⋅ 3 Baths ⋅ 50216759 MLS
Welcome to waterfront living at its finest! This beautifully updated 5 bedroom, 2.5 bathroom, two story property offers the perfect combination of modern comfort and serene riverfront living. Situated on 100 feet of the Kawkawlin River, this property features a seawall and private dock, making it easy to spend your days boating, fishing or simply enjoying the water. The calm ride to the mouth of the Saginaw Bay provides quick access to endless recreational opportunities. Inside you'll find a fully updated interior with spacious living areas designed for both everyday living and entertaining. The spacious second story loft above the garage offers huge amounts of storage and convenience. Outside, the meticulously maintained yard and pristine landscaping create a beautiful setting for relaxing or hosting family or friends while taking in the peaceful waterfront views. Don't miss your opportunity to own this stunning riverfront property! Schedule your showing today!

3717 Kawkawlin River Drive, Bay City
$2,195,000
5 Beds ⋅ 4 Baths ⋅ 50215461 MLS
Set along Bay City’s premier beachfront destination, Athlone Beach, this exceptional residence offers refined waterfront living on the Saginaw Bay. Built in 2020, the home features nearly 3,500 square feet of beautifully designed space with 5 bedrooms, 3.5 baths, and 52 feet of sandy frontage. Meticulously planned to maximize sweeping water views, the home delivers refined luxury across every level, with a private elevator providing ease of access throughout. A classic, charming front porch creates an inviting first impression, while the home's elevated architectural design captures breathtaking views of the water from multiple vantage points. The open-concept main floor is designed for effortless entertaining, with the kitchen, dining area, and living room flowing seamlessly together against a stunning waterfront backdrop. The showpiece kitchen features stunning custom cabinetry, high-end finishes, and an impressive oversized island ideal for serving and gathering, while the well-appointed pantry offers abundant storage and a secondary refrigerator. A main-floor bedroom provides flexibility as a private guest room or spacious office. The luxurious primary suite is a true retreat, complete with an ensuite featuring dual sinks, a dedicated makeup vanity, soaking tub, expansive walk-in tile shower, and thoughtfully designed walk-in closet. Third-floor laundry is conveniently located near the bedrooms, while thoughtful storage is incorporated throughout the home. The fully enclosed sunroom is an unforgettable space to relax and take in the expansive water views in every season, and the property also includes a heated two-car attached garage and a heated one-car detached garage. Tasteful, timeless, and exceptionally well executed, this Athlone Beach residence offers a rare opportunity to experience luxury waterfront living on the Saginaw Bay.

214 Athlone Beach, Bay City
$714,900
3 Beds ⋅ 2 Baths ⋅ 50215352 MLS
Open House Saturday August 15th 4-6 PM. Welcome to this exceptional 2024 ranch offering 90 feet of river frontage, breathtaking water views, and quality craftsmanship throughout. Situated on 1.26 acres, this 2,500-square-foot home features 3 bedrooms, 2 full baths, and an open-concept design perfect for everyday living and entertaining. The spacious living room features a cozy gas fireplace and expansive windows showcasing spectacular river views. The gourmet kitchen offers a large center island, walk-in pantry, and quartz countertops throughout, making it ideal for both entertaining and daily living. The primary suite is a private retreat with beautiful water views, a walk-in closet, and an elegant ensuite bath. The third bedroom is currently being used as a home office but can easily be converted back into a bedroom. Additional highlights include a heated 3.5-car garage, tankless water heater, first-floor laundry, a spacious mudroom, and a full basement already plumbed for a future bathroom and ready to be finished for additional living space. Enjoy peaceful waterfront living with incredible views from your own backyard. Built in 2024, this move-in-ready home combines modern amenities, thoughtful design, and an exceptional riverfront setting. Schedule your private showing today!

3365 Old Kawkawlin Road, Bay City
$1,195,000
4 Beds ⋅ 5 Baths ⋅ 50213767 MLS
Welcome to a rare opportunity to own one of Bay City's most distinguished waterfront residences. This remarkable penthouse spans over 4,600 square feet of impeccably designed living space, featuring timeless finishes, exceptional craftsmanship, and sweeping views of the Saginaw River. With 4 bedrooms and 5 bathrooms, the residence is anchored by a luxurious primary suite offering private balcony access, a custom walk-in closet, and a distinctive his-and-her bathroom layout. For added indulgence, a private steam room provides the perfect space to unwind and rejuvenate. One of the bedrooms serves as a beautifully designed art studio, featuring a built-in sink, custom cabinetry, and a spacious work desk—perfect for artists, hobbyists, or anyone seeking a serene and functional creative space within the comfort of home. From the moment you enter through the custom mahogany front door, you're greeted by soaring ceilings and intricate woodwork throughout. The heart of the home is a true entertainer’s dream: a fully outfitted gourmet kitchen designed with professional functionality in mind. It includes a hidden butler’s pantry with its own sink, stove, and storage, ideal for catering or staff. The kitchen can also be closed off entirely from the main living area for added discretion during events or gatherings. The adjacent bar is thoughtfully equipped with four refrigerated drawers, two freezer drawers, a wine refrigerator, and a second dishwasher—perfect for seamless entertaining on any scale. The residence offers both a formal living room and a separate family room, each with its own fireplace, creating multiple cozy and sophisticated gathering areas. A private office with balcony access offers a serene setting for remote work with inspiring waterfront views. The expansive balcony offers panoramic views of the Saginaw River, Liberty Bridge, and passing freighters—ideal for hosting guests at sunset or enjoying tranquil mornings by the water. A unique feature of this penthouse is its dual-entry layout. In addition to the main entrance, a secondary, private entry leads to a distinct section of the home that can be closed off entirely—an ideal setup for live-in staff, guests, in-laws, a nanny, or catering teams. This thoughtful layout offers true flexibility without compromising the flow or luxury of the residence. Additional amenities include four dedicated parking spaces, generous private storage, and the largest boat slip in the community—perfect for housing your personal watercraft. Residents enjoy access to beautifully maintained common areas, including an elegant lobby and inviting shared spaces that includes a large event space with attached catering kitchen, a club room and a library. This one-of-a-kind penthouse offers the perfect blend of sophistication, flexibility, and stunning scenery—a rare opportunity for luxury living in the heart of Bay City. Available for exclusive in-person tours for pre-qualified buyers.

1111 N Water Street Unit 403, Bay City
$475,000
4 Beds ⋅ 2 Baths ⋅ 50213287 MLS
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
$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
$384,900
2 Beds ⋅ 2 Baths ⋅ 50204500 MLS
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 an office!). Other updates include flooring, water heater, appliances and wait until you see the beautiful custom bar. The first floor community rooms include a gym with sauna, a gathering room with additional kitchen, (perfect for hosting family holidays and parties) and a workshop, ready for your little projects. There is also a covered garage area fully equipped for EV hook up! Relax outside this summer in the community gazebo overlooking the water or private community patio area. 225 Jennison is conveniently located all within walking distance to shopping, dining and theater. This historic building also has front row seats to the summer concerts and 4th of July fireworks! HOA fee includes internet & cable. Your time to simplify is now! Call your favorite Realtor today to see this amazing condo!

225 Jennison Place, Bay City
$394,000
3 Beds ⋅ 3 Baths ⋅ 50203539 MLS
Free house with the purchase of wildlife and the Kawkawlin River that is what you’ll find in this Bangor Township Quad Level home with over 2400 square of living space including the 40% finished basement with 200 square feet in two rooms that could either be used as offices or additional sleeping areas as there is an egress stairway that leads to the main floor finished and insulated attached two car garage, There is an additional 576 square foot garage on the property that could be used as a she shed or man cave. river frontage is approximately 107 feet with an equal 107 feet of steel wall. Inside there are at total of 14 rooms with living room and kitchen and dining all having upgraded bamboo flooring. The upper level contains three bedrooms complete with bathroom off the master bedroom with a separate entrance and entrance from hall. The lower-level family room comes complete with a full wall brick fireplace and half bath. Do not miss your chance to purchase this little slice of paradise located within close distance to shopping schools and other amenities this area has to offer with only one bridge to boat under to the beautiful Saginaw Bay

3315 Harris Lane, Bay City
$549,000
50193875 MLS
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 County’s premier new Saginaw River waterfront condominium community, thoughtfully designed for comfort, quality, and convenience. Featuring modern single and two-story duplex-style condos, this vibrant neighborhood offers the perfect blend of luxury riverfront living and easy access to everything the Great Lakes Bay Region has to offer. Located just minutes from I-75, Iron Bridge puts you close to shopping, dining, healthcare, and recreation — while the Saginaw River, Wheeler Landing Yacht Harbor, and the scenic Riverwalk/Rail Trail Loop are right outside your door. Designed for those who value simplicity, style, and low-maintenance living, Iron Bridge Condominiums make it easy to “lock and leave” while enjoying the full benefits of homeownership. Whether you’re starting fresh, downsizing, or ready for a more carefree lifestyle, this community offers the freedom to live beautifully — without the burden of maintenance. Choose from single-story or two-story homes, with optional basements, walk-out lower levels, and fully accessible zero-threshold floor plans available. Each home is fully customizable — work with our design team to select your ideal layout, finishes, and fixtures. Home Features & Options Include: • 2 to 4 bedrooms • Basement, crawl space, or slab foundation • Second-floor decks and walk-out basements • Custom kitchen, bath, and dining layouts • 1,200 to 2,000 sq. ft. floor plans ?? Saginaw River Waterfront Condos — Pricing Starts at $649,900 Offering the best price for new construction waterfront condos in Bay County, Iron Bridge at Wheeler’s Landing delivers exceptional value without compromise. Nestled between the waterfront and Defoe Park, Iron Bridge at Wheeler’s Landing is more than a place to live — it’s a new way of living well. A new home. A new lifestyle. A better way to live.

37 OR 39 Cove Drive, Bay City
$649,900
50193662 MLS
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 County’s premier new Saginaw River waterfront condominium community, thoughtfully designed for comfort, quality, and convenience. Featuring modern single and two-story duplex-style condos, this vibrant neighborhood offers the perfect blend of luxury riverfront living and easy access to everything the Great Lakes Bay Region has to offer. Located just minutes from I-75, Iron Bridge puts you close to shopping, dining, healthcare, and recreation — while the Saginaw River, Wheeler Landing Yacht Harbor, and the scenic Riverwalk/Rail Trail Loop are right outside your door. Designed for those who value simplicity, style, and low-maintenance living, Iron Bridge Condominiums make it easy to “lock and leave” while enjoying the full benefits of homeownership. Whether you’re starting fresh, downsizing, or ready for a more carefree lifestyle, this community offers the freedom to live beautifully — without the burden of maintenance. Choose from single-story or two-story homes, with optional basements, walk-out lower levels, and fully accessible zero-threshold floor plans available. Each home is fully customizable — work with our design team to select your ideal layout, finishes, and fixtures. Home Features & Options Include: • 2 to 4 bedrooms • Basement, crawl space, or slab foundation • Second-floor decks and walk-out basements • Custom kitchen, bath, and dining layouts • 1,200 to 2,000 sq. ft. floor plans ?? Saginaw River Waterfront Condos — Pricing Starts at $649,900 Offering the best price for new construction waterfront condos in Bay County, Iron Bridge at Wheeler’s Landing delivers exceptional value without compromise. Nestled between the waterfront and Defoe Park, Iron Bridge at Wheeler’s Landing is more than a place to live — it’s a new way of living well. A new home. A new lifestyle. A better way to live.

33 OR 35 Cove Drive, Bay City
$649,900
50193661 MLS
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 County’s premier new Saginaw River waterfront condominium community, thoughtfully designed for comfort, quality, and convenience. Featuring modern single and two-story duplex-style condos, this vibrant neighborhood offers the perfect blend of luxury riverfront living and easy access to everything the Great Lakes Bay Region has to offer. Located just minutes from I-75, Iron Bridge puts you close to shopping, dining, healthcare, and recreation — while the Saginaw River, Wheeler Landing Yacht Harbor, and the scenic Riverwalk/Rail Trail Loop are right outside your door. Designed for those who value simplicity, style, and low-maintenance living, Iron Bridge Condominiums make it easy to “lock and leave” while enjoying the full benefits of homeownership. Whether you’re starting fresh, downsizing, or ready for a more carefree lifestyle, this community offers the freedom to live beautifully — without the burden of maintenance. Choose from single-story or two-story homes, with optional basements, walk-out lower levels, and fully accessible zero-threshold floor plans available. Each home is fully customizable — work with our design team to select your ideal layout, finishes, and fixtures. Home Features & Options Include: • 2 to 4 bedrooms • Basement, crawl space, or slab foundation • Second-floor decks and walk-out basements • Custom kitchen, bath, and dining layouts • 1,200 to 2,000 sq. ft. floor plans ?? Saginaw River Waterfront Condos — Pricing Starts at $649,900 Offering the best price for new construction waterfront condos in Bay County, Iron Bridge at Wheeler’s Landing delivers exceptional value without compromise. Nestled between the waterfront and Defoe Park, Iron Bridge at Wheeler’s Landing is more than a place to live — it’s a new way of living well. A new home. A new lifestyle. A better way to live.

29 OR 31 Cove Drive, Bay City
$649,900
50193660 MLS
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 County’s premier new Saginaw River waterfront condominium community, thoughtfully designed for comfort, quality, and convenience. Featuring modern single and two-story duplex-style condos, this vibrant neighborhood offers the perfect blend of luxury riverfront living and easy access to everything the Great Lakes Bay Region has to offer. Located just minutes from I-75, Iron Bridge puts you close to shopping, dining, healthcare, and recreation — while the Saginaw River, Wheeler Landing Yacht Harbor, and the scenic Riverwalk/Rail Trail Loop are right outside your door. Designed for those who value simplicity, style, and low-maintenance living, Iron Bridge Condominiums make it easy to “lock and leave” while enjoying the full benefits of homeownership. Whether you’re starting fresh, downsizing, or ready for a more carefree lifestyle, this community offers the freedom to live beautifully — without the burden of maintenance. Choose from single-story or two-story homes, with optional basements, walk-out lower levels, and fully accessible zero-threshold floor plans available. Each home is fully customizable — work with our design team to select your ideal layout, finishes, and fixtures. Home Features & Options Include: • 2 to 4 bedrooms • Basement, crawl space, or slab foundation • Second-floor decks and walk-out basements • Custom kitchen, bath, and dining layouts • 1,200 to 2,000 sq. ft. floor plans ?? Saginaw River Waterfront Condos — Pricing Starts at $649,900 Offering the best price for new construction waterfront condos in Bay County, Iron Bridge at Wheeler’s Landing delivers exceptional value without compromise. Nestled between the waterfront and Defoe Park, Iron Bridge at Wheeler’s Landing is more than a place to live — it’s a new way of living well. A new home. A new lifestyle. A better way to live.

25 OR 27 Cove Drive, Bay City
$1,950,000
50191782 MLS
Opportunity awaits to own 4 acres of breathtaking waterfront property in Bangor Township, featuring an incredible 800 feet of water frontage! Rarely does a property like this become available, making it a true gem for building your dream home or developing multiple homes as an investment. Take in the stunning water views while enjoying the convenience of being close to town. This land offers the perfect combination of peace, potential, and endless possibilities. Don’t let this rare opportunity pass you by. Reach out today to learn more!

430 Ricoma Beach Road, Bay City
$469,900
3 Beds ⋅ 2 Baths ⋅ 50172003 MLS
Beautiful Bayfront Home with Incredible Saginaw Bay Views. Well-maintained 3-bedroom home offering sweeping views of Saginaw Bay and a bright, open floor plan with tongue-and-groove ceilings, and newer laminate flooring. Main level includes a bedroom and full bath. Upstairs primary suite features a walk-in closet, great natural light, and a private balcony with new (Feb 2024) Pella sliding door—perfect for sunsets over the water. Hallway bathroom and another large bedroom complete the upstairs. Recent updates include roof and gutters (Oct 2025), crawl space insulation and encapsulation (Sept 2025), and a new GFA furnace (Sept 2025). Both bathrooms are updated, with plenty of built-ins and storage throughout. Enjoy the backyard and large deck for relaxing or entertaining. Includes additional parcel #010-038-100-025-99 and a 36x24 pole barn with oversized door, opener, floor drain, 125V and 250V EV outlet. Close to Tobico Marsh, Rail Trail, and State Park for walking, biking and outdoor activities. Immediate possession at closing.

356 Killarney Beach Road, Bay City