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

$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
$155,000
2 Beds ⋅ 1 Baths ⋅ 50221337 MLS ⋅ ACTIVE Status
MAKE YOUR MOVE ON MIDLAND! This charming 2 bedroom, 1 bathroom Auburn ranch is fresh, updated and ready for its next owner! Step inside to find new flooring and fresh paint throughout, giving the home a clean and welcoming feel from the moment you walk in. Downstairs, you’ll love the nicely finished space in the basement—perfect for a second living room, rec room, home office or whatever fits your needs. Outside, enjoy the spacious backyard and deck with plenty of room to relax and unwind. The deep attached 2-car garage gives you excellent space for vehicles, storage, tools and toys. Conveniently located on Midland Road with easy access to Auburn, Midland, Bay City and beyond. Whether you’re looking for your first home, ready to downsize or simply want an affordable home with some extra space, this one is ready for you. Call today for your private showing!

1281 W Midland Road, 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! Call to schedule your private showing today!

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
$359,990
3 Beds ⋅ 2 Baths ⋅ 20261069114 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.

4656 N West View Drive, Bay City
$328,000
3 Beds ⋅ 3 Baths ⋅ 50220076 MLS ⋅ ACTIVE Status
**Rare Country Ranch Charmer!** Homes like this don’t come around often! This 3-bedroom, 3-bath ranch offers the perfect blend of peaceful country living and everyday convenience, all situated on over an acre. And the real bonus? A massive 44x100' outbuilding providing incredible space for storage, hobbies, projects, equipment, or whatever you need! The convenient one-story layout makes this home a great fit for just about anyone—from a first-time buyer to those looking for a comfortable place to retire. You’ll love waking up to beautiful country sunrises and winding down with stunning sunsets across the open landscape. It’s truly the American dream! Enjoy the best of both worlds with natural gas and city water—city amenities in the country! The added bonus living/hot tub room creates the perfect space to relax at the end of the day or entertain friends and family. If you’ve been dreaming of more space, more privacy, and the peacefulness of the country, this one is worth seeing. Come take a look and see why country living is the way to go!

1449 S Farley Road, Not Provided
$549,900
3 Beds ⋅ 3 Baths ⋅ 50220020 MLS ⋅ ACTIVE Status
2.5 Private Acres with Nearly 4000 Sq Ft of Quality, Comfort & Class, 3 Large Bedrooms and 3 Full Baths - Cathedral Ceilings and Open Floor Plan, Large Primary Suite with Ceramic Tile "Rain" Shower, Jetted Tub & Walk-in Closet, Huge Deck off Large Gourmet Kitchen, Balcony off 2nd Floor Recreation Room, 1st Floor Laundry, On Demand Water Heater - Most Efficient Heating & Cooling System Available, Recently Appraised for $600k!! (copies available)

6785 N Michigan Road, Saginaw
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