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

2 Beds ⋅ 1 Baths ⋅ 50216449 MLS ⋅ ACTIVE Status

FEEL WELCOMED ON WEBSTER. Step right in to this completely renovated cape cod style home in Bay City's Historic South End. Boasting all fresh and new paint, flooring, dry-wall, and kitchen, this house truly is turnkey. This home offers convenience with functionality with a spacious living area, primary bedroom, full bathroom, laundry and formal dining area all on the first floor. Upper level has new carpeting throughout featuring a large bedroom and sitting area that could easily double as a third bedroom. Outside, you will be pleased to know that big ticket items such as windows, doors, and roof were all replaced with new in 2024. The secluded private back yard is a great spot for entertaining friends and family. Priced to sell, don't wait to book your private showing today.

612 Webster Street, Bay City

3 Beds ⋅ 2 Baths ⋅ 50216162 MLS ⋅ ACTIVE CONTINGENT 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 ⋅ 50216133 MLS ⋅ ACTIVE Status

Welcome to 802 24th St in Bay City. This ranch-style home offers a practical single-level layout with an attached garage, spacious living area, functional kitchen with plenty of cabinetry, and a fenced backyard with deck space. The home features a newer furnace installed in July 2025 and a new roof completed in December 2025, giving buyers a strong start on major mechanical and exterior updates. Inside, the home offers solid potential with wood-look flooring, a brick accent wall, an enclosed front entry/sitting area, and a ramped front entrance for added accessibility.

802 24th Street, 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 CONTINGENT 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

2 Beds ⋅ 1 Baths ⋅ 50214793 MLS ⋅ ACTIVE Status

Welcome home! Move-in ready located on the desirable south end of Bay City! The beautifully remodeled kitchen is the centerpiece of the home, featuring brand-new cabinetry, stunning granite countertops, a gorgeous blue tile backsplash, and new flooring. Nice size living room and an additional family room with a great view of the backyard! The full basement has plenty of room for a workshop, storage, or even some recreation activities. Offering exceptional value, this home is perfect for first-time buyers or anyone seeking a turnkey property at an affordable price. Conveniently located to take river road to Saginaw and not far from downtown Bay City. This is an opportunity you won't want to miss. Schedule your showing today and see all this home has to offer!

1502 34th Street, 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

4 Beds ⋅ 3 Baths ⋅ 20261052837 MLS ⋅ ACTIVE Status

Welcome home to this 4-bedroom brick ranch nestled in the desirable Monitor Township. This home boasts beautiful hardwood floors, built-ins, spacious living room and dining room, large kitchen, first-floor laundry, 1.5 car garage with an attached shed, large partially fenced in back yard with fire pit and a new above-ground pool, perfect for those hot summer days! The full basement provides plenty of space for storage, recreation room, theater, gym, or home office. Walking distance to Mackensen Elementary and close to I-75! Schedule your showing today!

5595 Noreen Drive, 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

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