Step inside and imagine the possibilities. This Bay City home sits on nearly half an acre and welcomes you with an attached garage and a large, fully fenced backyard—offering space, privacy, and room to grow. As you enter, you’re greeted by a spacious living room that flows into a formal dining area, creating an inviting layout for everyday living and hosting. Just beyond, the well-sized kitchen anchors the main level and offers a functional footprint ready for your personal touch. Two bedrooms and a full bathroom are conveniently located on the main floor. Upstairs, you’ll find two additional bedrooms, a half bathroom, and a charming nook with built-in drawers—perfect for extra storage or a cozy reading space. The lower level adds even more potential, featuring a full bathroom and an egress window, making a finished basement a real possibility for additional living or recreational space. This home presents as a renovation opportunity. Updates and repairs needed include replacement of the meter socket, a new main breaker, and updated water pipes/plumbing. With 1,328 square feet above grade, a generous fenced lot, and convenient access to local colleges, shopping, dining, and everyday amenities, this property offers strong upside for buyers looking to customize and build equity.
Foreclosure
Est. $129,900
40 Westside Saginaw Rd, Bay City, MI 48706
4beds
1,328sqft
Single Family Residence
Built in 1946
0.42 Acres Lot
$-- Zestimate®
$98/sqft
$-- HOA
What's special
Large fully fenced backyardGenerous fenced lotAttached garageFormal dining areaWell-sized kitchen
- 161 days |
- 408 |
- 18 |
Zillow last checked:
Listing updated:
Listed by:
Jamie Diffin 989-443-5689,
Gateway Brokerage 810-255-1200
Source: MiRealSource,MLS#: 50197834
Originating MLS: Greater Shiawassee Association of REALTORS
Originating MLS: Greater Shiawassee Association of REALTORSLoading...
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Bedroom 1
- Level: First
- Area: 143
- Dimensions: 13 x 11
Bedroom 2
- Level: First
- Area: 120
- Dimensions: 12 x 10
Bedroom 3
- Level: Second
- Area: 190
- Dimensions: 19 x 10
Bedroom 4
- Level: Second
- Area: 195
- Dimensions: 15 x 13
Bathroom 1
- Level: First
Bathroom 2
- Level: Basement
Dining room
- Level: First
- Area: 135
- Dimensions: 15 x 9
Kitchen
- Level: First
- Area: 140
- Dimensions: 14 x 10
Living room
- Level: First
- Area: 252
- Dimensions: 18 x 14
Heating
- Boiler, Natural Gas
Appliances
- Included: Gas Water Heater
Features
- Basement: Unfinished
- Has fireplace: No
Interior area
- Total structure area: 2,390
- Total interior livable area: 1,328 sqft
- Finished area above ground: 1,328
- Finished area below ground: 0
Property
Parking
- Total spaces: 2
- Parking features: 2 Spaces, Attached
- Attached garage spaces: 1
Features
- Levels: One
- Stories: 1
- Fencing: Fenced
- Frontage type: Road
- Frontage length: 73
Lot
- Size: 0.42 Acres
- Dimensions: 73.00 x 217
Details
- Additional structures: Shed(s)
- Parcel number: 0910003820051000
- Special conditions: Private
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
- Foundation: Basement
Condition
- New construction: No
- Year built: 1946
Utilities & green energy
- Sewer: Public At Street
- Water: Public
Community & HOA
Community
- Subdivision: Unknown
HOA
- Has HOA: No
Location
- Region: Bay City
Financial & listing details
- Price per square foot: $98/sqft
- Tax assessed value: $147,600
- Annual tax amount: $2,695
- Date on market: 1/19/2026
- Cumulative days on market: 161 days
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional
Foreclosure details
Estimated market value
Not available
Estimated sales range
Not available
$1,662/mo
Price history
| Date | Event | Price |
|---|---|---|
| 3/25/2026 | Price change | $129,900-7.1%$98/sqft |
Source:  MiRealSource #50197834 Report a problem | ||
| 1/28/2026 | Price change | $139,900-3.5%$105/sqft |
Source: MiRealSource #50197834 Report a problem | ||
| 1/19/2026 | Listed for sale | $145,000+27.2%$109/sqft |
Source: MiRealSource #50197834 Report a problem | ||
| 10/20/2023 | Sold | $114,000-3.4%$86/sqft |
Source: MiRealSource #50083106 Report a problem | ||
| 8/20/2023 | Pending sale | $118,000$89/sqft |
Source:  RE/MAX of Michigan #50083106 Report a problem | ||
| 8/20/2023 | Contingent | $118,000$89/sqft |
Source: MiRealSource #50083106 Report a problem | ||
| 8/9/2023 | Price change | $118,000-0.8%$89/sqft |
Source: MiRealSource #50083106 Report a problem | ||
| 7/27/2023 | Price change | $119,000-0.8%$90/sqft |
Source: MiRealSource #50083106 Report a problem | ||
| 7/20/2023 | Price change | $120,000-0.8%$90/sqft |
Source: MiRealSource #50083106 Report a problem | ||
| 7/16/2023 | Price change | $121,000-1.6%$91/sqft |
Source: MiRealSource #50083106 Report a problem | ||
| 7/11/2023 | Price change | $123,000-1.6%$93/sqft |
Source: MiRealSource #50083106 Report a problem | ||
| 7/6/2023 | Price change | $125,000-2.3%$94/sqft |
Source: MiRealSource #50083106 Report a problem | ||
| 6/26/2023 | Price change | $128,000-0.8%$96/sqft |
Source: MiRealSource #50083106 Report a problem | ||
| 6/16/2023 | Price change | $129,000+12.2%$97/sqft |
Source: MiRealSource #50083106 Report a problem | ||
| 9/26/2022 | Pending sale | $115,000$87/sqft |
Source: MiRealSource #50083106 Report a problem | ||
| 7/18/2022 | Listed for sale | $115,000+29.9%$87/sqft |
Source: MiRealSource #50083106 Report a problem | ||
| 7/18/2019 | Sold | $88,500+254%$67/sqft |
Source: Public Record Report a problem | ||
| 2/1/2011 | Sold | $25,000-21.9%$19/sqft |
Source: Public Record Report a problem | ||
| 12/9/2010 | Price change | $32,000-19.8%$24/sqft |
Source: foreclosure.com Report a problem | ||
| 11/2/2010 | Price change | $39,900-47.8%$30/sqft |
Source: foreclosure.com Report a problem | ||
| 10/23/2010 | Listed for sale | -- |
Source: foreclosure.com Report a problem | ||
| 9/21/2010 | Sold | $76,500$58/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,667 +37.1% | $73,800 +2.8% |
| 2024 | $1,945 | $71,800 +11% |
| 2023 | -- | $64,700 +26.9% |
| 2022 | -- | $51,000 +9.2% |
| 2021 | -- | $46,700 +0.4% |
| 2020 | $2,085 | $46,500 +12.3% |
| 2019 | -- | $41,400 -1.7% |
| 2018 | $2,085 +5% | $42,100 +4% |
| 2017 | $1,986 | $40,500 +3.8% |
| 2016 | $1,986 | $39,000 -0.3% |
| 2015 | $1,986 +66% | $39,100 +6.8% |
| 2014 | $1,196 | $36,600 +2.5% |
| 2013 | -- | $35,700 +2.6% |
| 2012 | -- | $34,800 -5.2% |
| 2011 | -- | $36,700 +6.4% |
| 2010 | -- | $34,500 |
| 2009 | -- | $34,500 -18.2% |
| 2008 | -- | $42,200 +13.7% |
| 2007 | -- | $37,100 |
| 2006 | -- | $37,100 +0.5% |
| 2005 | -- | $36,900 +1.1% |
| 2004 | -- | $36,500 +1.4% |
| 2003 | -- | $36,000 +6.2% |
| 2002 | -- | $33,900 +5% |
| 2001 | -- | $32,300 |
Find assessor info on the county website
Monthly payment
Estimated monthly payment$1,822
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: 48706
Nearby schools
GreatSchools rating
- 6/10Mackensen Elementary SchoolGrades: PK-5Distance: 0.6 mi
- 7/10Western Middle SchoolGrades: 6-8Distance: 8 mi
- 6/10Bay City Western High SchoolGrades: 9-12Distance: 8 mi
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.
A local agent can set up tours, give advice and negotiate with sellers.
- Michigan
- Bay County
- Monitor
- 48706
- 40 Westside Saginaw Rd
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