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For sale
    • Price cut: $296K (1/17)
    $1,195,000

    1111 N Water St, Bay City, MI 48708

    4beds
    4,617sqft
    : 
    Condominium
    Built in 2007
    -- sqft lot
    $-- Zestimate®
    $259/sqft
    $650/mo HOA

    What's special

    Welcome to a rare opportunity to own one of Bay City's most distinguished waterfront residences. This remarkable penthouse spans over 4,600 square feet of impeccably designed living space, featuring timeless finishes, exceptional craftsmanship, and sweeping views of the Saginaw River. With 4 bedrooms and 5 bathrooms, the residence is anchored by a luxurious primary suite offering private balcony access, a custom walk-in closet, and a distinctive his-and-her bathroom layout. For added indulgence, a private steam room provides the perfect space to unwind and rejuvenate. One of the bedrooms serves as a beautifully designed art studio, featuring a built-in sink, custom cabinetry, and a spacious work desk-perfect for artists, hobbyists, or anyone seeking a serene and functional creative space within the comfort of home. From the moment you enter through the custom mahogany front door, you're greeted by soaring ceilings and intricate woodwork throughout. The heart of the home is a true entertainer's dream: a fully outfitted gourmet kitchen designed with professional functionality in mind. It includes a hidden butler's pantry with its own sink, stove, and storage, ideal for catering or staff. The kitchen can also be closed off entirely from the main living area for added discretion during events or gatherings. The adjacent bar is thoughtfully equipped with four refrigerated drawers, two freezer drawers, a wine refrigerator, and a second dishwasher-perfect for seamless entertaining on any scale. The residence offers both a formal living room and a separate family room, each with its own fireplace, creating multiple cozy and sophisticated gathering areas. A private office with balcony access offers a serene setting for remote work with inspiring waterfront views. The expansive balcony offers panoramic views of the Saginaw River, Liberty Bridge, and passing freighters-ideal for hosting guests at sunset or enjoying tranquil mornings by the water. A unique feature of this penthouse is its dual-entry layout. In additio
    201 days
    |
    530
    |
    9
    |

    Zillow last checked: 7 hours ago

    Listing updated: January 20, 2026 at 02:27am

    Listed by:

    Karah Ralph 989-252-7811,

    Century 21 Signature Realty Midland 989-837-2100,

    Thomas Webb 989-492-0650,

    Century 21 Signature Realty

    Source: Realcomp II,MLS#: 61050183563MLS Logo

    Tour with a local agent

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 5
      • Full bathrooms: 4
      • 1/2 bathrooms: 1
      Primary bedroom
      • Level: Main
      • Area: 288
      • Dimensions: 16 x 18
      Bedroom 2
      • Level: Main
      • Area: 224
      • Dimensions: 16 x 14
      Bedroom 3
      • Level: Main
      • Area: 238
      • Dimensions: 14 x 17
      Bedroom 4
      • Level: Main
      • Area: 204
      • Dimensions: 17 x 12
      Other
      • Level: Main
      • Area: 200
      • Dimensions: 10 x 20
      Other
      • Level: Main
      • Area: 200
      • Dimensions: 10 x 20
      Other
      • Level: Main
      • Area: 168
      • Dimensions: 12 x 14
      Other
      • Level: Main
      • Area: 187
      • Dimensions: 17 x 11
      Other
      • Level: Main
      • Area: 65
      • Dimensions: 5 x 13
      Dining room
      • Level: Main
      • Area: 240
      • Dimensions: 16 x 15
      Family room
      • Level: Main
      • Area: 425
      • Dimensions: 25 x 17
      Kitchen
      • Level: Main
      • Area: 288
      • Dimensions: 18 x 16
      Laundry
      • Level: Main
      • Area: 190
      • Dimensions: 10 x 19
      Living room
      • Level: Main
      • Area: 675
      • Dimensions: 25 x 27
      Office
      • Level: Main
      • Area: 240
      • Dimensions: 15 x 16
      Heating
      • Forced Air, Natural Gas
      Cooling
      • Central Air
      Appliances
      • Included: Bar Fridge, Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Range, Washer
      Features
      • Entrance Foyer, Wet Bar, Walk In Closets
      • Basement: Common
      • Has fireplace: Yes
      • Fireplace features: Family Room, Living Room
      Interior area
      • Total interior livable area: 4,617 sqft
      • Finished area above ground: 4,617
      • Finished area below ground: 0
      Video & virtual tour

      Property

      Parking
      • Total spaces: 4
      • Parking features: Assigned 2 Spaces, Four Car Garage, Attached, Garage, Garage Door Opener
      • Attached garage spaces: 4
      Features
      • Levels: One Story Up
      • Stories: 1
      • Exterior features: Balcony
      • Pool features: None
      • On waterfront: Yes
      • Waterfront features: Lake Privileges, River Front, Waterfront
      • Body of water: Saginaw River
      • Frontage type: Waterfront
      Lot
      • Features: Water View
      Details
      • Additional structures: Gazebo
      • Parcel number: 0916002117903400
      • Special conditions: Short Sale No,Standard

      Construction

      Type & style
      • Home type: Condo
      • Architectural style: Other
      • Property subtype: Condominium
      Materials
      • Brick, Shingle Siding
      • Foundation: Basement
      Condition
      • Site Condo
      • New construction: No
      • Year built: 2007

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public

      Community & HOA

      Community
      • Subdivision: BOATHOUSE CONDOMINIUMS
      HOA
      • Has HOA: Yes
      • Amenities included: Boat Dock, Storage
      • HOA fee: $650 monthly
      Location
      • Region: Bay City

      Financial & listing details

      • Price per square foot: $259/sqft
      • Tax assessed value: $72,200
      • Annual tax amount: $23,408
      • Date on market: 7/30/2025
      • Cumulative days on market: 201 days
      • Listing agreement: Exclusive Right To Sell
      • Listing terms: Cash,Conventional,FHA
      • Road surface type: Paved
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        Estimated market value

        Not available

        Estimated sales range

        Not available

        $2,931/mo

        Price history

        Price history
        DateEventPrice
        3/23/2026Pending sale$899,000$195/sqft
        Source: Realcomp II #61050197479 Report a problem
        1/23/2026Contingent$899,000$195/sqft
        Source: Realcomp II #61050197479 Report a problem
        1/17/2026Price change$899,000-24.8%$195/sqft
        Source: Realcomp II #61050197479 Report a problem
        12/10/2025Listed for sale$1,195,000$259/sqft
        Source: Realcomp II #61050183563 Report a problem
        10/17/2025Pending sale$1,195,000$259/sqft
        Source: Realcomp II #61050183563 Report a problem
        7/30/2025Listed for sale$1,195,000+79.7%$259/sqft
        Source: Realcomp II #61050183563 Report a problem
        2/16/2025Listing removed$665,000$144/sqft
        Source: MIDMLS #50155884 Report a problem
        9/19/2024Listed for sale$665,000+10.8%$144/sqft
        Source: MIDMLS #50155884 Report a problem
        8/18/2024Listing removed--
        Source: Realcomp II #61050119320 Report a problem
        8/18/2023Listed for sale$599,999+71.4%$130/sqft
        Source: MiRealSource #50119320 Report a problem
        4/16/2021Sold$350,000-12.5%$76/sqft
        Source: RE/MAX of Michigan Solds #50035746_48708_106 Report a problem
        10/8/2020Sold$400,000-44.8%$87/sqft
        Source: RE/MAX of Michigan Solds #30800519_48708_105 Report a problem
        8/28/2020Listed for sale$725,000-46.2%$157/sqft
        Source: Owner Report a problem
        7/19/2018Listing removed$1,348,000$292/sqft
        Source: Best Real Estate-Janca & Associates #31353381 Report a problem
        7/11/2018Listed for sale$1,348,000+245.6%$292/sqft
        Source: Best Real Estate-Janca & Associates #31353381 Report a problem
        10/25/2007Sold$390,000$84/sqft
        Source: MiRealSource #30815150 Report a problem

        Public tax history

        Public tax history
        YearProperty taxesTax assessment
        2024$331 $36,100 -11.8%
        2023-- $40,950 +23.7%
        2022-- $33,100 +159.6%
        2021-- $12,750 -1.5%
        2020$292 $12,950 -74%
        2019-- $49,800 -25.1%
        2018$292 -96.6%$66,500 -48.6%
        2017$8,603 $129,350 +1.4%
        2016$8,603 $127,600 -28.5%
        2015$8,603 $178,500
        2014-- --
        2013-- --
        2012-- --
        2011-- --
        2010-- --
        2009-- --
        2008-- --

        Find assessor info on the county website

        BuyAbility℠ payment

        Est. payment
        $8,217/mo
        Principal & interest
        $6163
        Property taxes
        $1404
        HOA Fees
        $650
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          Climate risks

          Neighborhood: 48708

          Getting around

          69 / 100
          Somewhat Walkable
          75 / 100
          Very Bikeable

          Nearby schools

          GreatSchools rating

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