Perfect opportunity for investors or first-time homebuyers alike! This charming 3-bedroom, 1-bathroom home offers over 1,050 square feet of comfortable living space and strong potential as a rental investment with excellent ROI. Featuring a functional layout, spacious bedrooms, and a large yard, this property is ideal for long-term tenants or anyone looking to build equity instead of renting. Conveniently located near schools, shopping, parks, and local amenities, this affordable Bay City home delivers both value and versatility. Whether you're expanding your investment portfolio or searching for a great starter home, this property is full of potential!
Active
Price cut: $5K (6/7)
$89,900
3118 N Water St, Bay City, MI 48708
3beds
1,057sqft
Single Family Residence
Built in 1923
5,662 Square Feet Lot
$86,700 Zestimate®
$85/sqft
$-- HOA
What's special
- 54 days |
- 540 |
- 42 |
Zillow last checked:
Listing updated:
Listed by:
Ahmed ''Ali'' Khalil 269-569-4019,
Real Broker, LLC 855-450-0442
Source: MichRIC,MLS#: 26020128
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
- Main level bedrooms: 1
Heating
- Forced Air
Appliances
- Laundry: Laundry Room, Main Level
Features
- Basement: Crawl Space
- Has fireplace: No
Interior area
- Total structure area: 1,057
- Total interior livable area: 1,057 sqft
Property
Features
- Stories: 2
Lot
- Size: 5,662 Square Feet
- Dimensions: 50 x 118
Details
- Parcel number: 0916002222600400
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Other
- Property subtype: Single Family Residence
Materials
- Aluminum Siding
Condition
- New construction: No
- Year built: 1923
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & HOA
Location
- Region: Bay City
Financial & listing details
- Price per square foot: $85/sqft
- Tax assessed value: $28,050
- Annual tax amount: $2,087
- Date on market: 6/2/2026
- Listing terms: Cash,FHA,VA Loan,MSHDA,Conventional
Estimated market value
$86,700
$82,000 - $91,000
$1,213/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/11/2026 | Listed for rent | $1,200$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 6/7/2026 | Price change | $89,900-5.3%$85/sqft |
Source:  MichRIC #26020128 Report a problem | ||
| 5/6/2026 | Listed for sale | $94,900+110.9%$90/sqft |
Source: MichRIC #26020128 Report a problem | ||
| 7/10/2025 | Listing removed | $1,200$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 6/26/2025 | Listed for rent | $1,200$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 6/18/2025 | Listing removed | $1,200$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 6/14/2025 | Price change | $1,200-4%$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 3/27/2025 | Listed for rent | $1,250$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 3/11/2024 | Listing removed | -- |
Source: Zillow Rentals Report a problem | ||
| 3/7/2024 | Listed for rent | $1,250$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 2/26/2024 | Sold | $45,000+0.2%$43/sqft |
Source:  MiRealSource #50131683 Report a problem | ||
| 1/21/2024 | Pending sale | $44,900$42/sqft |
Source: MiRealSource #50131683 Report a problem | ||
| 1/18/2024 | Listed for sale | $44,900+91.6%$42/sqft |
Source: MiRealSource #50131683 Report a problem | ||
| 12/17/2021 | Sold | $23,430+1.9%$22/sqft |
Source: Public Record Report a problem | ||
| 11/12/2021 | Price change | $23,000-23.3%$22/sqft |
Source: Owner Report a problem | ||
| 11/3/2021 | Listed for sale | $30,000+237.1%$28/sqft |
Source: Owner Report a problem | ||
| 2/22/2013 | Sold | $8,900$8/sqft |
Source: MiRealSource #30814815 Report a problem | ||
| 1/26/2013 | Price change | $8,900-11%$8/sqft |
Source: Homepath #2122147 Report a problem | ||
| 12/28/2012 | Price change | $10,000-16%$9/sqft |
Source: Homepath Report a problem | ||
| 11/17/2012 | Listed for sale | $11,900$11/sqft |
Source: Homepath Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,248 -19.1% | $28,050 -18.1% |
| 2024 | $2,778 | $34,250 +16.1% |
| 2023 | -- | $29,500 +12% |
| 2022 | -- | $26,350 +4.8% |
| 2021 | -- | $25,150 |
| 2020 | $1,063 | -- |
| 2019 | -- | $22,350 +3.2% |
| 2018 | $1,063 +25.1% | $21,650 -0.5% |
| 2017 | $850 | $21,750 -11.4% |
| 2016 | $850 | $24,550 +36% |
| 2015 | $850 +20.6% | $18,050 +24.9% |
| 2014 | $704 | $14,450 -14% |
| 2013 | -- | $16,800 -6.9% |
| 2012 | -- | $18,050 -5.7% |
| 2011 | -- | $19,150 -0.5% |
| 2010 | -- | $19,250 -9.6% |
| 2009 | -- | $21,300 -18.1% |
| 2008 | -- | $26,000 +3.8% |
| 2007 | -- | $25,050 +2.7% |
| 2006 | -- | $24,400 |
| 2005 | -- | $24,400 +9.9% |
| 2004 | -- | $22,200 +5.2% |
| 2003 | -- | $21,100 +8.8% |
| 2002 | $660 | $19,400 +15.5% |
| 2000 | -- | $16,800 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
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.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 48708
Nearby schools
GreatSchools rating
- 6/10Washington Elementary SchoolGrades: PK-5Distance: 1.1 mi
- 4/10Handy Middle SchoolGrades: 6-8Distance: 2.4 mi
- 6/10Bay City Central High SchoolGrades: 9-12Distance: 1.5 mi
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A local lender can help you make sure your offer is ready when you are.
- Michigan
- Bay County
- Bay City
- 48708
- 3118 N Water St
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