Turnkey, fully renovated duplex offering immediate cash flow and long-term investment potential just minutes from Downtown Bay City. Professionally renovated by a licensed builder, this income-producing property combines quality craftsmanship with low-maintenance ownership. Both units have been extensively updated with new flooring and windows, creating clean, modern living spaces that continue to attract quality tenants. Separate electrical systems and two brand-new furnaces simplify property management while helping reduce future maintenance concerns. The lower unit is currently occupied by a long-term tenant paying $900 per month, while the upper unit has a rental potential of approximately $650 per month, providing an excellent opportunity to increase your portfolio or offset your mortgage as an owner-occupant. Whether you're a seasoned investor seeking a turnkey addition to your portfolio or a first-time buyer looking to build wealth through real estate, this well-maintained duplex offers dependable income potential in a convenient location near Downtown Bay City, shopping, restaurants, parks, and major employers.
For sale
$196,900
110 N Madison Ave, Bay City, MI 48708
3beds
2,090sqft
Multi Family
Built in 1890
-- sqft lot
$-- Zestimate®
$94/sqft
$-- HOA
What's special
Clean modern living spacesTwo brand-new furnacesNew flooring
- 166 days
- 166
- 15
Zillow last checked:
Listing updated:
Listed by:
Chance Owen 989-493-0948,
Bay Realty Michigan 989-385-1311
Source: MiRealSource,MLS#: 50204407
Originating MLS: Saginaw Board of REALTORS
Originating MLS: Saginaw Board of REALTORSFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Heating
- Forced Air
Features
- Has basement: Yes
- Has fireplace: No
Interior area
- Total structure area: 2,090
- Total interior livable area: 2,090 sqft
Property
Parking
- Total spaces: 1
- Parking features: Detached
- Garage spaces: 1
Features
- Levels: Two
- Stories: 2
Lot
- Size: 4,791 Square Feet
- Dimensions: 5009
Details
- Parcel number: 16002825200600
- Special conditions: Private
Construction
Type & style
- Home type: MultiFamily
- Property subtype: Multi Family
Materials
- Foundation: Basement
Condition
- Year built: 1890
Utilities & green energy
- Gas: Natural Gas
- Sewer: Public Sanitary
- Water: Public
Community & HOA
Community
- Subdivision: N/A
Location
- Region: Bay City
Financial & listing details
- Price per square foot: $94/sqft
- Tax assessed value: $114,300
- Annual tax amount: $1,801
- Date on market: 4/15/2026
- Cumulative days on market: 166 days
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional
- Lease term: Long Term
- Total actual rent: 1550
Estimated market value
Not available
Estimated sales range
Not available
$989/mo
Price history
| Date | Event | Price |
|---|---|---|
| 5/26/2026 | Price change | $196,900-1.6%$94/sqft |
Source:  MiRealSource #50204407 Report a problem | ||
| 4/15/2026 | Listed for sale | $200,000+263.6%$96/sqft |
Source: MiRealSource #50204407 Report a problem | ||
| 9/1/2023 | Sold | $55,000+43.5%$26/sqft |
Source: Public Record Report a problem | ||
| 4/27/2023 | Sold | $38,317$18/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $1,749 -25.3% | $57,150 -0.3% |
| 2024 | $2,341 | $57,350 +16.9% |
| 2023 | -- | $49,050 +11.7% |
| 2022 | -- | $43,900 +3.5% |
| 2021 | -- | $42,400 +12.9% |
| 2020 | $2,132 | $37,550 +2.6% |
| 2019 | -- | $36,600 +0.7% |
| 2018 | $2,132 +2.8% | $36,350 +1.7% |
| 2017 | $2,073 | $35,750 +16.3% |
| 2016 | $2,073 | $30,750 -2.4% |
| 2015 | $2,073 +1.1% | $31,500 -10.9% |
| 2014 | $2,052 | $35,350 +16.9% |
| 2013 | -- | $30,250 -11% |
| 2012 | -- | $34,000 -17.7% |
| 2011 | -- | $41,300 -1% |
| 2010 | -- | $41,700 +6.8% |
| 2009 | -- | $39,050 +6.7% |
| 2008 | -- | $36,600 +10.1% |
| 2007 | -- | $33,250 +3.1% |
| 2006 | -- | $32,250 |
| 2005 | -- | $32,250 +13.2% |
| 2004 | -- | $28,500 +7.5% |
| 2003 | -- | $26,500 +0.4% |
| 2002 | $1,176 | $26,400 +20.5% |
| 2000 | -- | $21,900 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: 48708
Nearby schools
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.
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