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
Price cut: $10K (3/25)
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
- 76 days |
- 864 |
- 27 |
Zillow last checked: 7 hours ago
Listing updated: March 25, 2026 at 04:41pm
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 REALTORSTour with a local agent
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: $143,600
- Annual tax amount: $2,695
- Date on market: 1/19/2026
- Cumulative days on market: 77 days
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional
Foreclosure details
Estimated market value
Not available
Estimated sales range
Not available
$1,664/mo
Price history
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
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 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
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
- 5/10Mackensen Elementary SchoolGrades: K-5Distance: 0.6 mi
- 6/10Western 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.
Local experts in 48706
- Michigan
- Bay County
- Monitor
- 48706
- 40 Westside Saginaw Rd
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