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For sale by owner
  • Price cut: $10K (11/29)
    $410,000

    777 Bay Rd, Bay City, MI 48706

    3beds
    1,500sqft
    : 
    SingleFamily
    Built in 2014
    10,000 Square Feet Lot
    $-- Zestimate®
    $273/sqft
    $-- HOA

    What's special

    Waterfront deckPrivate beachGuest suiteSprinkler systemVinyl fencingOutdoor livingNew modern luxury
    ?? Bayfront Bliss: Luxury Home on Saginaw Bay! Wake up to a view that truly never gets old in this beautiful 3-bedroom, 2.5-bathroom waterfront home, perfectly nestled between the Saginaw and Kawkawlin Rivers. This property offers a rare combination of new, modern luxury and unbeatable Saginaw Bay access! Key Features You'll Love: • Move-In Ready: Enjoy a fresh start with all-new flooring, new appliances, and fresh paint throughout the main house. • Ultimate Garage & Guest Suite: The massive two-car garage features a convenient half bath and a finished guest loft upstairs, complete with two large storage areas. Perfect for visitors, a home office, or a personal gym! • Outdoor Living & Security: Relax on the maintenance-free composite decks both front and back. The covered back deck includes two skylights! The backyard is fully secured with white vinyl fencing (three gates) and features a front and back sprinkler system for easy lawn care. • Peace of Mind: Never worry about power loss thanks to the Generac whole-house generator that powers both the home and the garage. A new roof was installed in 2023. • The Waterfront Dream: Stroll onto your endless private beach or relax on the waterfront deck, providing the perfect spot to enjoy both sunrise and sunset over the bay. This luxurious, fully equipped home sits on a deep 34' x282' lot. Great size front and back yard! Annual property tax is 5600 SERIOUS INQUIRIES ONLY PLEASE! MUST show proof of pre approval/proof of funds prior to showing. No renting or land contracts.
    100 days
    |
    1,496
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    76
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    Listed by:

    Property Owner (989) 209-4097

    This property is for sale by owner and Zillow, Inc. is displaying it at the owner's request. It is not subject to a listing agreement with Zillow, Inc. or its affiliates.

    Facts & features

    Interior

    Bedrooms & bathrooms
    • Bedrooms: 3
    • Bathrooms: 3
    • Full bathrooms: 2
    • 1/2 bathrooms: 1
    Heating
    • Forced air, Gas
    Cooling
    • Central
    Features
    • Has fireplace: No
    Interior area
    • Total interior livable area: 1,500 sqft

    Property

    Parking
    • Total spaces: 3
    • Parking features: Garage - Attached
    Features
    • Has view: Yes
    • View description: Water
    • Has water view: Yes
    • Water view: Water
    Lot
    • Size: 10,000 Square Feet
    Details
    • Parcel number: 010A1600003900

    Construction

    Type & style
    • Home type: SingleFamily
    Condition
    • New construction: No
    • Year built: 2014

    Community & HOA

    Community
    • Features: Fifty Five Plus Active Community
    • Senior community: Yes
    Location
    • Region: Bay City

    Financial & listing details

    • Price per square foot: $273/sqft
    • Tax assessed value: $276,300
    • Annual tax amount: $6,895
    • Date on market: 9/22/2025
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    Estimated market value

    Not available

    Estimated sales range

    Not available

    $2,052/mo

    Price history

    Price history
    DateEventPrice
    11/29/2025Price change$410,000-2.4%$273/sqft
    Source: Owner Report a problem
    11/10/2025Price change$420,000-3.4%$280/sqft
    Source: Owner Report a problem
    10/28/2025Price change$435,000-0.9%$290/sqft
    Source: Owner Report a problem
    10/21/2025Price change$439,000-2.2%$293/sqft
    Source: Owner Report a problem
    9/22/2025Listed for sale$449,000+79.6%$299/sqft
    Source: Owner Report a problem

    Public tax history

    Public tax history
    YearProperty taxesTax assessment
    2024$6,895 $138,150 +6.8%
    2023-- $129,350 +8.4%
    2022-- $119,350 +4.9%

    Find assessor info on the county website

    BuyAbility℠ payment

    Est. payment
    $2,579/mo
    Principal & interest
    $1953
    Property taxes
    $482
    Home insurance
    $144

      Climate risks

      Neighborhood: 48706

      Nearby schools

      GreatSchools rating

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