Bay City Homes with VA Loan Listing Terms

Bay City Homes with VA Loan Listing Terms

Welcome to Bay City, Michigan – a hidden gem nestled in Bay County, known for its rich history, vibrant community, and exceptional educational opportunities. The Bay City School District is a cornerstone of this charming region, dedicated to fostering academic excellence and personal growth among its students. With a commitment to innovative teaching methods and a diverse curriculum, the district ensures that every child has the tools they need to succeed. From dedicated teachers to state-of-the-art facilities, Bay City schools provide a nurturing environment where students can thrive.

Families looking to settle in this picturesque area will find a variety of homes available, including those that qualify for VA loan listings. This is excellent news for veterans and active-duty service members seeking to invest in their future through homeownership. With VA loans offering favorable terms, such as no down payment and competitive interest rates, owning a home in Bay City is more accessible than ever. Imagine waking up in a cozy home and sending your children to schools that prioritize their education and well-being.

Bay City is not just about education; it boasts beautiful parks, a bustling downtown, and a tight-knit community that welcomes newcomers with open arms. Whether you're drawn to the scenic waterfront or the vibrant local culture, Bay City offers a lifestyle that is both enriching and fulfilling. Explore our listings today and discover the perfect home where you can create lasting memories in this remarkable community!

Newest Bay City Homes with VA Loan Listing Terms

4 Beds ⋅ 2 Baths ⋅ 50216417 MLS ⋅ ACTIVE Status

TOTAL RENOVATION ON TOWNLINE! Experience modern style and country charm in this beautifully remodeled modern farmhouse set on 4.10 acres. Offering 1,820 square feet of thoughtfully updated living space, the home features 4 spacious bedrooms and 2 full bathrooms. The heart of the home is a stunning, family-friendly kitchen making it ideal for every day and entertaining. The all-new primary suite provides a spacious walk-in closet featuring the convenience of an in-closet washer and dryer, along with a beautifully appointed en suite bathroom. Outside, you'll find everything you need to enjoy country living. The property includes an attached two-car garage, a new 20' x 20' pole barn, a new 12' x 24' storage shed, a large barn, and a newly constructed patio with a gazebo, perfect for relaxing or hosting family and friends while taking in the peaceful surroundings. If you've been searching for the charm of country living without sacrificing modern updates, this exceptional farmhouse delivers the best of both worlds. Call today!

688 W Townline 14 Road, Auburn

3 Beds ⋅ 2 Baths ⋅ 50216162 MLS ⋅ ACTIVE Status

Picture yourself unwinding on your private deck, gazing across Bay Valley Harbor Pond as the sun dips behind hole 16 of Bay Valley Golf Club. This stunning 3-bedroom, 2-bathroom waterfront condo delivers 1,720 square feet of resort-caliber living — without the hassle of traditional homeownership. A freshly refreshed kitchen gleams with brand-new 2026 appliances, including a stove, dishwasher, microwave, and refrigerator featuring a CRAFT ICE maker. New windows brighten the kitchen and bedrooms, while 2024 sliding patio doors with venting locks connect indoor comfort to outdoor beauty. Washer and dryer conveniently come included. The lower level opens up incredible possibilities — transform it into a mother-in-law suite, college student apartment, teenager retreat, or dedicated flex space tailored to your needs. A separate bedroom downstairs with new windows makes any configuration feel intentional and inviting. Parking a golf cart beneath the balcony means you're always minutes from tee time. The community inground pool beckons on warm afternoons, and Frankenlust Township Nature Park offers trails nearby. Bay Valley Resort sits just down the road for dining and events. Your HOA covers snow removal, lawn care, exterior maintenance, Spectrum internet, and basic cable — leaving you free to simply enjoy life. Recent upgrades include a 2023 roof, 2021 deck, and outside outlets for entertaining. **Ready to trade maintenance for leisure? Schedule your private showing today — waterfront condos like this one don't wait around.**

2383 Muirhead Drive, Bay City

2 Beds ⋅ 1 Baths ⋅ 50216085 MLS ⋅ ACTIVE Status

118 Darley Avenue offers the rare opportunity to own a home where nearly every surface, system, and finish has been thoughtfully redesigned and renovated to impress. This 2 bedroom, 1 bath condo combines the comfort of modern updates with the charm of an established neighborhood while delivering the effortless convenience of main-floor living. Vaulted ceilings and an open floor plan create an inviting sense of space, seamlessly connecting the kitchen, dining, and living areas. The timeless kitchen features crisp white cabinetry, stainless steel appliances, and a classic subway tile backsplash. Luxury vinyl plank flooring flows throughout the main living spaces, creating a warm, cohesive backdrop for everyday living. The fully renovated bathroom showcases an oversized vanity, custom tiled walk-in shower, and quality finishes throughout. An attached two-car garage, main-floor laundry, and a private screened-in porch complete a home designed for comfortable, low-maintenance living.

118 Darley Avenue, Auburn

2 Beds ⋅ 1 Baths ⋅ 50215896 MLS ⋅ ACTIVE Status

2 BEDROOM, 1 BATH RANCH ON A CRAWL. RED HARWOOD SIDING. ROOF, WINDOWES AND FURNACE APPROXIMATELY 10 YEARS OLD, APPLIANCES NEGOTIABLE.

603 RIDGE Road, Bay City

3 Beds ⋅ 2 Baths ⋅ 20261054897 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.

4657 N West View Drive, Bay City

3 Beds ⋅ 1 Baths ⋅ 50214906 MLS ⋅ ACTIVE Status

This beautifully maintained and meticulously updated home has everything you've been looking for and more. Conveniently located close to shopping centers with easy access to the highway, this Monitor township home is tucked away on a quiet low-traffic street with a cul-de-sac feel, and it is ready for it's next chapter. This bi-level home's efficient layout helps reduce utility costs while maximizing living space. The top level offers 3 spacious bedrooms, and a primary bathroom that features a dual vanity with a convenient storage closet for added functionality. The bottom level boasts an open concept kitchen containing ample cabinet space and stainless steel appliances, that blends naturally into the dining room, and the dining room flows seamlessly into the living room- where a built-in bookcase has been installed in recent years to serve as a practical storage solution. The main floor features a dedicated laundry space that opens into a convenient half-bath. The main floor also offers access to the attached garage, which is heated and complete with a counter-space and hand washing station- making this property perfect for hosting. The backyard provides an equally inviting setting with a newly installed concrete patio and mature trees that create an abundance of shade. The backyard is further enhanced by a privacy fence and thoughtfully placed landscaping. Come check this property out and schedule your private tour today.

2866 Strieter Drive, Bay City

3 Beds ⋅ 2 Baths ⋅ 50214672 MLS ⋅ ACTIVE Status

Experience the quality and craftsmanship that set Cobblestone apart in this beautifully designed 1,755 sq. ft. ranch offering 3 bedrooms, 2 full baths, a flexible bonus room, and a 2-car garage. The thoughtfully designed open-concept floor plan features a desirable split-bedroom layout, creating the perfect balance of privacy and entertaining space. Oversized black Andersen 100 Series windows flood the home with natural light, while 9-foot ceilings create a bright, spacious feel throughout. Built with Cobblestone premium high-performance construction package, this home includes spray foam insulation, advanced energy-efficient systems, and Energy Star certification to provide year-round comfort, healthier indoor air quality, and lower utility costs. The kitchen is designed to impress with slow close cabinetry, quartz countertops, a spacious island, and a walk-in pantry. The private primary suite offers a luxurious retreat with a custom tiled shower, dual vanities, and a generous walk-in closet. The bonus room provides the flexibility for a home office, playroom, or guest space. Every Cobblestone Home is built with exceptional attention to detail, premium materials, and lasting value, making this home a place you'll enjoy for years to come. Modern twin-home condominiums welcome you to Millpond Meadows, Cobblestone’s newest low-maintenance community just west of Bay City. Located just minutes from I-75, this convenient location provides quick access to everything the Great Lakes Bay Region has to offer, including shopping, dining, healthcare, and recreation. Millpond Meadows was designed for homeowners who value simplicity, comfort, and quality. Whether you’re starting fresh, downsizing, or simply ready for a more relaxed way of living, this community offers the freedom to lock and leave while enjoying the benefits of homeownership. A new home. A new lifestyle. A better way to live. Give up the maintenance and gain so much more at Millpond Meadows.

2944 Mill Pond Drive, Bay City

3 Beds ⋅ 2 Baths ⋅ 50214373 MLS ⋅ ACTIVE Status

A must see . . . Discover the ultimate haven in Frankenlust Township, perfectly positioned between Bay City and Saginaw. Close proximity to SVSU, Delta College, shopping and dining. The main living areas are masterclass in open and spacious design, boasting stunning vaulted ceilings that will leave you in awe. This is the perfect sanctuary for family and friends to come together. The bedrooms are generously sized, with the primary bedroom featuring a large walk-in closet and private bath, the epitome of luxury. The updated kitchen has ample cupboard space with a nice size walk in pantry. The partially finished basement serves as an office and play area, and has an incredible amount of storage space. This beautiful home has undergone a stunning transformation, with recent updates including new flooring (2025), epoxy flooring in garage (2023), furnace and hot water heater (2024), landscaping (2024), a new front door and garage entry door, newer appliances, lights, fans , fresh paint and vinyl fence in backyard. All appliances including washer and dryer are staying with the home.

7401 W Ryan Court, Bay City

3 Beds ⋅ 2 Baths ⋅ 20261052849 MLS ⋅ ACTIVE Status

This beautifully updated home offers the perfect blend of modern upgrades and timeless charm! Major improvements completed approximately seven years ago include the roof, windows, furnace, central air conditioning, water heater, electrical wiring, and PEX plumbing, providing peace of mind for years to come.Inside, you'll find original hardwood floors throughout, elegant crown molding, and a beautifully remodeled kitchen completed just 1.5 years ago. A new attic staircase provides easy access to additional storage, while thoughtful design touches create a warm and inviting feel.Relax on the covered front porch with your morning coffee or unwind on the covered back porch while overlooking the spacious backyard. Situated on approximately 0.50 acres, the property features a detached two-car garage plus an additional garage with electricity, perfect for a workshop, hobby space, extra storage, or even a home gym.The fully fenced backyard is a gardener's dream, featuring a mini orchard with apple, pear, cherry, and plum trees, along with grapevines, raspberry bushes, and plenty of room to expand your garden, entertain, or simply enjoy the outdoors.Conveniently located near a boat launch for easy access to the Saginaw River, this home combines major updates, versatile outdoor space, and thoughtful details throughout. Don't miss your opportunity to make it yours!

1709 Michigan Avenue, Bay City

3 Beds ⋅ 2 Baths ⋅ 50214206 MLS ⋅ ACTIVE Status

MODERN LIVING IN MONITOR! Looking for a newer home without the wait or expense of building? Welcome home. Built in 2018, this 3-bedroom, 2-bath home offers modern finishes, a functional layout, and all the space you need to feel right at home. The main level features bright, open living spaces, while the finished basement adds valuable extra living space perfect for a family room, home office, workout area, or whatever best fits your lifestyle. Whether you're hosting friends, spending time with family, or simply enjoying a relaxing evening at home, there's plenty of room for everyone to spread out. Outside, you'll love the cozy covered front porch, while the additional detached garage gives you the flexibility for extra vehicles, a workshop, storage, or all the toys that never seem to fit in the attached garage. Located in desirable Monitor Township with quick access to I-75, you'll enjoy the convenience of being just minutes from Bay City, Midland, and Saginaw. If you've been looking for a home that's modern, move-in ready, and offers the extra space that so many buyers are searching for, this is one you won't want to miss!

4659 S 3 Mile Road, Bay City

3 Beds ⋅ 3 Baths ⋅ 50213940 MLS ⋅ ACTIVE Status

Stunning 2021 custom ranch built by Beagle Construction in Irish Acres. Backing up to unobstructed farmland views, this 3-bedroom, 3.5-bath home features thoughtful modern details throughout. The main level offers an open-concept layout that flows seamlessly from the living room right into the kitchen, highlighting premium tile flooring and custom toe-kick lighting. Off the main area is a dedicated office space with excellent natural light. The kitchen features granite countertops, a large pantry, and all appliances stay. The main living space is anchored by a clean electric fireplace insert and comes pre-wired for a whole-house speaker system. The primary bedroom includes an attached full bath and a spacious walk-in closet, with custom closet organizers installed in every closet throughout the home. The basement offers a highly functional layout, featuring a large bedroom with dedicated his-and-hers closets, a full bath, and a versatile multi-purpose space perfect for a home gym or secondary rec area. A massive unfinished section completes the lower level, providing an abundance of clean, organized storage space. Outside, the professionally landscaped yard features a premium stamped concrete patio overlooking quiet fields, with expanded concrete added to both the front driveway and backyard layout. The full sprinkler system is equipped with a separate main water feed to eliminate sewer usage charges. The 3-car garage includes hot and cold water lines and leads into a functional mudroom entrance featuring a custom built-in bench and a half bath with a deep wash tub. Mechanical features include 100% copper plumbing throughout and a 200-amp electrical service. Excellent location just 5 minutes north of Saginaw Valley State University and 5 minutes from I-75. Move-in ready with premium craftsmanship top to bottom. Call or text for a private showing!

2743 Limerick Drive, Bay City

4 Beds ⋅ 1 Baths ⋅ 50213341 MLS ⋅ ACTIVE CONTINGENT Status

Time to live on EASY STREET! This 4-bedroom home sits in a fabulous neighborhood and backs up to a farm field for true country views. The seller has put numerous updates into this one such as: new windows, roof, concrete driveway with extra parking pad and drains, huge 2-tiered patio with custom cement and built in fire pit, granite kitchen counters and more! There is a nice basement for tons of storage or finish it out plus an attached garage to stay out of the snow and sun. When the snow does come, relax and enjoy your fireplace in the family room. You will truly appreciate the location the setting and all of the rest that will make this house a great home! Interior trim repairs being done and it is being professionally painted. If buyer has offer in place before work is done, seller will let buyer choose colors.

5455 Easy Street, Bay City

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