Very spacious 2-story, 3 bedroom home situated on a generous size lot in Bay City! With some TLC, this home has tons of potential and presents the perfect opportunity to build equity with some elbow grease and updates, and the bonus rooms offer potential for additional bedrooms.
For sale
Price cut: $10K (3/13)
$69,900
3102 N Water St, Bay City, MI 48708
3beds
1,914sqft
Est.:
Single Family Residence
Built in 1900
0.4 Acres Lot
$-- Zestimate®
$37/sqft
$-- HOA
What's special
Generous size lot
- 40 days |
- 1,157 |
- 36 |
Likely to sell faster than
Zillow last checked: 7 hours ago
Listing updated: March 13, 2026 at 06:28am
Listed by:
Dona Czapp 989-233-1343,
Valley Real Estate 989-233-1343
Source: MiRealSource,MLS#: 50198858
Originating MLS: Saginaw Board of REALTORS
Originating MLS: Saginaw Board of REALTORSTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Bedroom 1
- Features: Carpet
- Level: First
- Area: 196
- Dimensions: 14 x 14
Bedroom 2
- Features: Carpet
- Level: First
- Area: 99
- Dimensions: 9 x 11
Bedroom 3
- Features: Carpet
- Level: Second
- Area: 108
- Dimensions: 9 x 12
Bathroom 1
- Features: Vinyl
- Level: First
- Area: 48
- Dimensions: 6 x 8
Kitchen
- Features: Vinyl
- Level: First
- Area: 189
- Dimensions: 9 x 21
Living room
- Features: Carpet
- Level: First
- Area: 238
- Dimensions: 14 x 17
Office
- Level: Second
- Area: 364
- Dimensions: 13 x 28
Heating
- Forced Air, Natural Gas
Appliances
- Included: Gas Water Heater
Features
- Flooring: Carpet, Vinyl
- Basement: Partial,Crawl Space
- Has fireplace: No
Interior area
- Total structure area: 2,574
- Total interior livable area: 1,914 sqft
- Finished area above ground: 1,914
- Finished area below ground: 0
Property
Features
- Levels: Two
- Stories: 2
- Patio & porch: Porch
- Fencing: Fenced
- Frontage type: Road
- Frontage length: 102
Lot
- Size: 0.4 Acres
- Dimensions: 102 x 110
- Features: City Lot
Details
- Parcel number: 16002222600100
- Zoning description: Residential
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subtype: Single Family Residence
Materials
- Shingle Siding
- Foundation: Basement
Condition
- Year built: 1900
Utilities & green energy
- Sewer: Public Sanitary
- Water: Public
Community & HOA
Community
- Subdivision: William Galarno's Addition
HOA
- Has HOA: No
Location
- Region: Bay City
Financial & listing details
- Price per square foot: $37/sqft
- Tax assessed value: $103,400
- Annual tax amount: $2,657
- Date on market: 2/5/2026
- Cumulative days on market: 42 days
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional
- Ownership type: LLC
Estimated market value
Not available
Estimated sales range
Not available
$1,234/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/13/2026 | Price change | $69,900-12.5%$37/sqft |
Source:  MiRealSource #50198858 Report a problem | ||
| 2/20/2026 | Price change | $79,900-10.2%$42/sqft |
Source: MiRealSource #50198858 Report a problem | ||
| 2/5/2026 | Listed for sale | $89,000+278.7%$46/sqft |
Source: MiRealSource #50198858 Report a problem | ||
| 1/24/2020 | Listing removed | $850 |
Source: Shinners & Chasnis Report a problem | ||
| 11/26/2019 | Price change | $850-5.6% |
Source: Shinners & Chasnis Report a problem | ||
| 11/14/2019 | Listed for rent | $900 |
Source: Shinners & Chasnis Report a problem | ||
| 6/1/2019 | Listing removed | $900 |
Source: Shinners & Chasnis Report a problem | ||
| 5/21/2019 | Listed for rent | $900+13.2% |
Source: Shinners & Chasnis Report a problem | ||
| 11/12/2018 | Listing removed | $795 |
Source: ENVIRO PROPERTY SERVICES Report a problem | ||
| 10/25/2018 | Listed for rent | $795 |
Source: ENVIRO PROPERTY SERVICES Report a problem | ||
| 6/29/2018 | Sold | $23,500-5.6%$12/sqft |
Source: MiRealSource #30829116 Report a problem | ||
| 6/1/2018 | Pending sale | $24,900$13/sqft |
Source: RE/MAX Results #30829116 Report a problem | ||
| 5/3/2018 | Listed for sale | $24,900-37.6%$13/sqft |
Source: RE/MAX Results #2180635 Report a problem | ||
| 12/13/2017 | Listing removed | $39,900$21/sqft |
Source: CENTURY 21 Signature Realty #2171282 Report a problem | ||
| 7/13/2017 | Listed for sale | $39,900$21/sqft |
Source: CENTURY 21 Signature Realty #2171282 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $2,408 | $51,700 +15.8% |
| 2023 | -- | $44,650 +11.1% |
| 2022 | -- | $40,200 +4.8% |
| 2021 | -- | $38,350 +15.7% |
| 2020 | $2,206 | $33,150 +41.1% |
| 2019 | -- | $23,500 -25.3% |
| 2018 | $2,206 +11.7% | $31,450 +1.3% |
| 2017 | $1,975 | $31,050 -6.9% |
| 2016 | $1,975 | $33,350 +0.5% |
| 2015 | $1,975 -0.9% | $33,200 -2.6% |
| 2014 | $1,993 | $34,100 +20.5% |
| 2013 | -- | $28,300 -11.1% |
| 2012 | -- | $31,850 -5.6% |
| 2011 | -- | $33,750 -0.4% |
| 2010 | -- | $33,900 -10% |
| 2009 | -- | $37,650 -7.6% |
| 2008 | -- | $40,750 +3.8% |
| 2007 | -- | $39,250 +2.6% |
| 2006 | -- | $38,250 |
| 2005 | -- | $38,250 +9.9% |
| 2004 | -- | $34,800 +5.1% |
| 2003 | -- | $33,100 +8.9% |
| 2002 | $1,424 | $30,400 +16% |
| 2000 | -- | $26,200 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$442/mo
Principal & interest
$360
Property taxes
$82
More affordability tools
Climate risks
Neighborhood: 48708
Nearby schools
GreatSchools rating
- 5/10Washington Elementary SchoolGrades: PK-5Distance: 1.1 mi
- 3/10Handy Middle SchoolGrades: 6-8Distance: 2.5 mi
- 5/10Bay City Central High SchoolGrades: 9-12Distance: 1.5 mi
Schools provided by the listing agent
- District: Bay City School District
Source: MiRealSource. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Local experts in 48708
- Michigan
- Bay County
- Bay City
- 48708
- 3102 N Water St
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