Bay City Homes with FHA Listing Terms

Bay City Homes with FHA Listing Terms

Welcome to Bay City, Michigan – a vibrant community that perfectly blends small-town charm with modern conveniences. Nestled in Bay County, Bay City is renowned for its rich history, beautiful waterfront, and a strong sense of community. One of the standout features of this area is its exceptional school district, which is dedicated to providing quality education and fostering a nurturing environment for students.

Bay City School District is committed to academic excellence, offering a diverse range of programs designed to support the needs of all learners. With a focus on innovative teaching methods and personalized learning experiences, students are encouraged to explore their passions and develop critical thinking skills. Parents can rest easy knowing that their children are receiving a well-rounded education, supported by highly qualified educators and a variety of extracurricular activities.

For those looking to call Bay City home, the real estate market offers a variety of options, including homes with FHA listing terms. This means that first-time homebuyers and those with less-than-perfect credit can find affordable housing solutions tailored to their needs. FHA loans are designed to make homeownership accessible, allowing families to settle into this welcoming community without breaking the bank.

Whether you’re drawn to the picturesque parks, the bustling downtown area, or the strong community spirit, Bay City is an ideal place to plant your roots. Explore the homes available in this charming city and discover the perfect blend of comfort, convenience, and community. Your dream home awaits in Bay City!

Newest Bay City Homes with FHA Listing Terms

$220,000
3 Beds ⋅ 2 Baths ⋅ 50221985 MLS ⋅ ACTIVE Status
If you have been looking for low-maintenance condo living without giving up space, this one is worth a look. Located in Cardinal Bend, 5961 Red Feather offers 3 bedrooms, 2.5 baths, a finished basement, first-floor laundry, and an attached 2-car garage. The main floor has a comfortable, open feel with vaulted ceilings and a primary suite, while the finished basement gives you plenty of extra room for entertaining, hobbies, guests, or just some additional living space. Daylight windows help keep the lower level from feeling like a typical basement, and the patio gives you a nice spot to relax outside. Cardinal Bend is tucked away while still keeping you close to shopping, restaurants, and everything Bay City has to offer. If you are ready to spend less time worrying about exterior maintenance and more time enjoying your home, come take a look at 5961 Red Feather.

5961 Red Feather Drive, Bay City
$182,500
3 Beds ⋅ 1 Baths ⋅ 50221911 MLS ⋅ ACTIVE Status
Welcome to this adorable bungalow featuring 3 bedrooms, 1½ baths, and timeless character throughout! Spacious rooms showcase beautiful wood floors, while coved ceilings and arched doorways add the classic architectural details that make this home truly special. The inviting living area features a gas fireplace, creating a cozy gathering space. The 2024 kitchen update including granite counters and stainless steel appliances bring a fresh, more modern function while complementing the charm of the home. Step outside to enjoy the fenced yard and back deck, perfect for relaxing, entertaining, or enjoying a summer evening. A one-car detached garage provides convenient parking and additional storage. Located close to downtown and uptown Bay City, this home puts shopping, dining, entertainment, parks, and local amenities just minutes away. Classic charm, thoughtful updates, and a great location — this adorable bungalow is ready to welcome you home!

608 N Johnson Street, Bay City
$119,900
3 Beds ⋅ 1 Baths ⋅ 50221882 MLS ⋅ ACTIVE Status
Move in ready and full of charm! This 3 bedroom home offers the convenience of a main floor bedroom along with fresh updates throughout, including all-new carpet, a brand-new furnace, new bathtub, and a professionally waterproofed basement. Enjoy low maintenance living with vinyl siding and the conveniece of keys at closing, so you can settle right in. A shared driveway provides access to additional parking toward the rear and garage parking. The garage shares a wall with the neghboring garage while providing you own dedicatited space. Affordable, updated and ready for its new owner!

508.5 N Catherine Street, Bay City
$88,000
4 Beds ⋅ 1 Baths ⋅ 50221640 MLS ⋅ ACTIVE Status
Find room for everyone with one bedroom (and a second room that could be an office or bedroom) and full bath downstairs, two bedrooms and half bath upstairs, spacious living room and full basement. Outside there is a nice front porch, fenced backyard and 2.5 car garage. This home is currently open to owner occupants, non-profits and government agencies only. Bid Period Deadline 9/27/2026 11:59:59?PM CT. Please go to hudhomestore.gov or https://rainecompany.com/ for details. HUD Case #262-272875. HUD insurable code IE. 203K Eligible

813 Fitzhugh Street, Bay City
$249,900
4 Beds ⋅ 2 Baths ⋅ 50221504 MLS ⋅ ACTIVE Status
Welcome to 113 Maple St. in Auburn! This move-in-ready 4-bedroom, 2-bath home has been beautifully remodeled and is ready for its new owners. Enjoy peace of mind with a newer roof, approximately 3–4 years old, along with a new pool liner and pump. The full basement provides plenty of additional space and storage. Outside, you’ll love the in-ground pool and back patio—perfect for relaxing, entertaining, and enjoying summer nights. Conveniently located close to schools and everything Auburn has to offer. Schedule your showing today! Open house this Sunday, Sept 13th, 11am-1pm

113 Maple Street, Auburn
$149,900
3 Beds ⋅ 2 Baths ⋅ 50221253 MLS ⋅ ACTIVE Status
Welcome to a high-potential 3-bedroom, 2.5-bathroom single-family home that offers incredible space and exceptional flexibility. Originally designed with a two-unit setup—complete with separate utilities and dedicated washer/dryer hookups in the garage—this property has been seamlessly converted back to a single-family home while retaining all the infrastructure for multi-family potential. Inside, you will find a light-filled, comfortable living room leading into a spacious main floor bathroom featuring a luxurious jacuzzi tub. All three bedrooms boast oversized closets for exceptional storage, complemented by a full unfinished basement that provides endless room for expansion or additional storage. Outdoors, the low-maintenance, fully fenced yard is enhanced by several producing fruit trees, while the expansive driveway comfortably accommodates two to four vehicles. The detached single-car garage, rebuilt in 2011, is a hobbyist's dream, complete with electrical outlets positioned every six feet. Major updates provide true peace of mind, including a newer electrical panel, brand-new front and back porches and steps added just two years ago, a 9-year-old roof, and durable vinyl siding installed on both the home and garage in 2011. Central ductwork and connections are already in place for future central A/C (requiring only a main condenser unit), with window/wall cooling units included to keep the home comfortable. Conveniently located and packed with unique features, this property is ready for its next chapter!

201 State Street, Bay City
$159,900
4 Beds ⋅ 1 Baths ⋅ 50221239 MLS ⋅ ACTIVE Status
Open House Saturday September 12th from 1-3 pm! Welcome to this spacious and completely remodeled home in a nice Bay City neighborhood! Offering 1,759 square feet of beautifully updated living space, this move-in-ready home features 4 large bedrooms with the possibility of a 5th bedroom if needed, along with 1.5 bathrooms. Every bedroom offers generous space and tall ceilings, while the main floor primary bedroom and main floor laundry provide added convenience. This home has truly been updated from top to bottom with a brand-new roof, all new drywall and paint, new paneling, new flooring throughout, including new carpet and LVP, and updated electrical. The completely remodeled kitchen features brand-new cabinets, countertops, and appliances, while the bathroom has been updated with new toilets, fixtures, and finishes. Central air and vinyl siding add to the home's comfort and low-maintenance appeal. Outside, you'll find a fenced-in yard offering a great space for pets, entertaining, or relaxing. The Michigan basement provides valuable additional storage space. With so many improvements, this home is truly "new, new, new!" and ready for its next owner. Don't miss this opportunity to own a spacious, extensively remodeled home with immediate possession available. Move right in and enjoy! Must see!

202 Ingraham Street, Bay City
$119,900
2 Beds ⋅ 1 Baths ⋅ 50221009 MLS ⋅ ACTIVE Status
Move-in ready ranch on Bay City's west side. Welcome to 1002 S Henry St.. A well maintained 2-bedroom, 1 bath ranch-style home featuring 1099 sq. ft. of comfortable, main-level living space. Perfectly priced, and completely move-in ready, this home offers an efficient kitchen with beautiful natural wood cabinets. Range and Refrigerator included. The spacious rooms include a 14 x 16 Living Room and a 13 x 16 Formal Dining Room. Enjoy the first floor laundry, the attached, heated 2.5 car garage and ride out the thunder storms under the roof of the 15 x 20 alcove. Plus, there is a partial MI basement and a nice shed for added storage. All this on a nicely treed, corner lot close to shopping, restaurants, and Bay City's vibrant river front. Don't wait!

1002 S Henry Street, Bay City
$305,000
4 Beds ⋅ 2 Baths ⋅ 50220849 MLS ⋅ ACTIVE Status
Welcome to Mutual Estates, one of the area’s most desirable neighborhoods! This spacious 4 bedroom, 2.5 bath home offers the perfect combination of privacy, space, and convenience. Enjoy multiple living areas, an updated kitchen with granite countertops and stainless steel appliances, and a huge fenced backyard perfect for family, pets, and entertaining. Anderson windows, a newer roof, and an efficient furnace and central air add peace of mind. Enjoy the privacy of a great neighborhood with everything Bay City has to offer just minutes away.

3351 Parkway Drive, Bay City
$359,990
3 Beds ⋅ 2 Baths ⋅ 20261069142 MLS ⋅ ACTIVE Status
Discover Your Dream Home in the Holly Springs Community! The Darlington Plan offers a spacious open-concept layout, seamlessly connecting the Living, Dining, and Kitchen areas—perfect for entertaining. The modern Kitchen is equipped with shaker cabinets, quartz countertops, and Stainless-Steel Appliances, including an electric smooth top range, microwave hood, and dishwasher.The primary suite features a private bath with dual vanity sinks and a large walk-in closet. There are two additional bedrooms, and a stylish secondary bathroom. Additional features include Low E insulated dual-pane vinyl windows for energy efficiency, an unfinished basement, and a 1-year limited home warranty.Discover this peaceful neighborhood setting in Monitor Township, nestled within the established Holly Springs subdivision. This corner lot community offers a quiet residential feel with convenient access to key Bay City corridors, including Midland Road and nearby local routes that make daily travel simple and efficient. Public water and sewer services support the neighborhood infrastructure, adding to the ease of living.

4684 Holly Ridge Lane, Bay City
$359,990
3 Beds ⋅ 2 Baths ⋅ 20261069130 MLS ⋅ ACTIVE Status
Discover Your Dream Home in the Holly Springs Community! The Darlington Plan offers a spacious open-concept layout, seamlessly connecting the Living, Dining, and Kitchen areas—perfect for entertaining. The modern Kitchen is equipped with shaker cabinets, quartz countertops, and Stainless-Steel Appliances, including an electric smooth top range, microwave hood, and dishwasher.The primary suite features a private bath with dual vanity sinks and a large walk-in closet. There are two additional bedrooms, and a stylish secondary bathroom. Additional features include Low E insulated dual-pane vinyl windows for energy efficiency, an unfinished basement, and a 1-year limited home warranty.Discover this peaceful neighborhood setting in Monitor Township, nestled within the established Holly Springs subdivision. This corner lot community offers a quiet residential feel with convenient access to key Bay City corridors, including Midland Road and nearby local routes that make daily travel simple and efficient. Public water and sewer services support the neighborhood infrastructure, adding to the ease of living.

4708 Holly Ridge Lane, Bay City
$389,990
4 Beds ⋅ 3 Baths ⋅ 20261069121 MLS ⋅ ACTIVE Status
Discover Your Dream Home in the Holly Springs Community! The elegant Kingston Plan is a two-story home that features a welcoming flex room and an open-concept design where the Great Room, Dining Area, and gourmet kitchen seamlessly connect. The kitchen is a culinary masterpiece with sophisticated cabinetry, rich quartz countertops, and stainless steel appliances, including a smooth-top range, microwave, and dishwasher.Upstairs, find a primary suite with a private bath featuring dual vanities, a spacious walk-in closet, additional bedrooms, and a practical laundry room. Enjoy leisure time in the versatile game room and benefit from a 2-car garage. With energy-efficient Low-E insulated dual-pane windows, an unfinished basement ,and a 1-year limited home warranty, this home offers both style and functionality. Discover this peaceful neighborhood setting in Monitor Township, nestled within the established Holly Springs subdivision. This corner lot community offers a quiet residential feel with convenient access to key Bay City corridors, including Midland Road and nearby local routes that make daily travel simple and efficient. Public water and sewer services support the neighborhood infrastructure, adding to the ease of living.

4686 N West View Drive, Bay City
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