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For sale
    • $649,900

    21 Cove Dr, Bay City, MI 48706

    4beds
    2,565sqft
    : 
    $4,875/mo
    Get pre-qualified
    Condominium
    Built in 2024
    -- sqft lot
    $90,000 Zestimate®
    $253/sqft
    $300/mo HOA

    What's special

    Attic storageFireplace feature wallUtility roomSophisticated designer kitchenBeautifully finished four-piece bathHigh-performance cellulose insulation systemModern contemporary style
    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.
    88 days
    |
    285
    |
    4
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Jean Ann Styn-DeShano 989-233-8380,

    RE/MAX Results 989-686-3400

    Source: MiRealSource,MLS#: 50206684MLS LogoOriginating MLS: Bay County REALTOR Association

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 4
      • Full bathrooms: 3
      • 1/2 bathrooms: 1
      • Main level bathrooms: 1
      • Main level bedrooms: 1
      Rooms
      • Room types: Bedroom, Master Bedroom, Living Room, Laundry, Utility/Laundry Room, Master Bathroom, First Flr Lavatory, Bathroom, Second Flr Full Bathroom, Dining Room
      Primary bedroom
      • Level: First
      Bedroom 1
      • Features: Vinyl
      • Level: Main
      • Area: 208
      • Dimensions: 16 x 13
      Bedroom 2
      • Features: Vinyl
      • Level: Second
      • Area: 192
      • Dimensions: 16 x 12
      Bedroom 3
      • Features: Vinyl
      • Level: Second
      • Area: 132
      • Dimensions: 12 x 11
      Bedroom 4
      • Features: Vinyl
      • Level: Second
      • Area: 156
      • Dimensions: 13 x 12
      Bathroom 1
      • Level: Main
      • Area: 70
      • Dimensions: 14 x 5
      Bathroom 2
      • Level: Second
      • Area: 66
      • Dimensions: 11 x 6
      Bathroom 3
      • Level: Second
      • Area: 77
      • Dimensions: 11 x 7
      Dining room
      • Features: Vinyl
      • Level: Main
      • Area: 195
      • Dimensions: 15 x 13
      Kitchen
      • Features: Vinyl
      • Level: Main
      • Area: 210
      • Dimensions: 15 x 14
      Living room
      • Features: Vinyl
      • Level: Main
      • Area: 414
      • Dimensions: 23 x 18
      Heating
      • Forced Air, Natural Gas
      Cooling
      • Central Air
      Appliances
      • Included: Dishwasher, Dryer, Microwave, Range/Oven, Refrigerator, Washer, Gas Water Heater
      • Laundry: Second Floor Laundry, Laundry Room
      Features
      • Walk-In Closet(s), Eat-in Kitchen
      • Flooring: Vinyl
      • Windows: Bay Window(s), Window Treatments, Storms/Screens
      • Has basement: No
      • Number of fireplaces: 1
      • Fireplace features: Gas, Living Room
      Interior area
      • Total structure area: 2,565
      • Total interior livable area: 2,565 sqft
      • Finished area above ground: 2,565
      • Finished area below ground: 0

      Property

      Parking
      • Total spaces: 2.5
      • Parking features: 2 Spaces, Garage, Attached, Electric in Garage, Garage Door Opener, Direct Access
      • Attached garage spaces: 2.5
      Accessibility
      • Accessibility features: Accessible Bedroom, Accessible Central Living Area, Accessible Closets, Accessible Common Area, Accessible Doors, Accessible Entrance, Accessible Full Bath, Accessible Hallway(s), Accessible Kitchen, Accessible Kitchen Appliances, Wheelchair Accessible, Covered Entrance, No-step Entrance
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Deck, Patio, Porch
      • Exterior features: Balcony, Lawn Sprinkler
      • Has view: Yes
      • View description: Water, River
      • Has water view: Yes
      • Water view: Water,River
      • Waterfront features: River Front, Waterfront
      • Body of water: SAGINAW RIVER
      Lot
      • Features: Subdivision, City Lot
      Details
      • Parcel number: 16002112502100
      • Zoning description: Residential
      • Special conditions: Private

      Construction

      Type & style
      • Home type: Condo
      • Architectural style: Traditional
      • Property subtype: Condominium
      Materials
      • Stone, Vinyl Siding, Vinyl Trim
      • Foundation: Slab
      Condition
      • Year built: 2024

      Utilities & green energy

      • Electric: Circuit Breakers
      • Sewer: Public Sanitary
      • Water: Public
      • Utilities for property: Cable/Internet Avail., Cable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected, Internet Spectrum
      Green energy
      • Energy efficient items: Appliances, Construction, Doors, HVAC, Insulation, Roof, Windows

      Community & HOA

      Community
      • Subdivision: Iron Bridge
      HOA
      • Has HOA: Yes
      • Amenities included: Maintenance Grounds, Wi-Fi Available, Fiber Optic Internet
      • Services included: HOA, Maintenance Grounds, Snow Removal, Maintenance Structure
      • HOA fee: $300 monthly
      • HOA name: IRON BRIDGE CONDOMINIUM ASSOCIATION
      • HOA phone: 989-293-6610
      Location
      • Region: Bay City

      Financial & listing details

      • Price per square foot: $253/sqft
      • Tax assessed value: $18,000
      • Annual tax amount: $794
      • Date on market: 5/7/2026
      • Cumulative days on market: 89 days
      • Listing agreement: Exclusive Right To Sell
      • Listing terms: Cash,Conventional
      • Road surface type: Paved

        Estimated market value

        $90,000

        $63,000 - $121,000

        $1,301/mo

        Price history

        DateEventPrice
        5/7/2026Listed for sale$649,900$253/sqft
        Source: MiRealSource #50206684 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025-- --
        2024$580 --
        2023-- $9,000
        2022-- $9,000
        2021-- $9,000
        2020$87 $9,000
        2019-- $9,000
        2018$87 +2.8%$9,000 +80%
        2017$85 $5,000
        2016$85 $5,000
        2015$85 +2.8%$5,000 -60%
        2014$83 $12,500
        2013-- $12,500
        2012-- $12,500
        2011-- $12,500 -16.7%
        2010-- $15,000 -40%
        2009-- $25,000
        2008-- $25,000
        2007-- $25,000
        2006-- --
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 48706

        Getting around

        43 / 100
        Car-Dependent
        56 / 100
        Bikeable

        Nearby schools

        GreatSchools rating
        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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