412 Ricoma Beach Rd, Bay City, MI 48706

Waterfront Charm on Saginaw Bay – A Hidden Gem! Escape to your own slice of paradise with this adorable 2-bedroom, 1-bath waterfront cottage on 100 feet of stunning Saginaw Bay shoreline! Wake up to breathtaking sunrises from the light-filled sunroom or unwind in the cozy living room with panoramic water views. The rock seawall provides stability while offering possibilities of direct access to endless waterfront adventures. Outside, a spacious yard and a beautiful gazebo create the perfect setting for relaxing, entertaining, or simply soaking in the peaceful surroundings. Plus, the included lot across the road adds even more potential—extra space for outdoor fun, gardening, or future expansion! Adventure is just steps away, with the nearby rail trail for biking and hiking and a state park just down the road. Complete with a Generac generator for peace of mind, this charming retreat is ready to welcome you. Whether you're looking for a year-round home or a vacation escape, this cottage is the perfect place to make memories. Don't wait—come experience the magic of lakeside living!