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Jenn Smart

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504 N Monroe , Bay City, MI 48708
$169,900
Est. Payment: $885.37/mo
4 Bed
3 Bath
1786 Sqft
Status: active | Days on site: 1
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

Freshly updated side-by-side duplex in the historical district walking distance from downtown Bay City the Historic Masonic Temple, center street and the Uptown/riverfront districts. Freshly painted exterior on house and garage, three years old asphalt roof on house and metal garage roof. Paved off street 3 car driveway with a large 22x24 two-car garage. Large front porch plus unit has its own side or back porch. Mostly fenced in private backyard with a small fire pit. Two 2-bedroom, 1-bath units plus 1600 sf of extra storage, on site laundry and additional toilet in the basement. About 1,786 sf finished above grade. Unit A: Features hardwood floors, 9’ ceilings, microwave, and kitchen/dining room breakfast bar, original wood trim and staircase, clawfoot tub large front window and open spacious design on the main level. Unit B: Features bay-windows for lots of natural lighting in the spacious living room and seamless flow into the dining area. All laid out on a single level with a sky light in the bathroom. High-efficiency furnace and walk out back porch to enjoy some privacy. Both sides have updated separate electrical sub panels, GFCI’s. Separate gas meters, dryer outlets and hot water heaters for each unit. Shared water and sewer. Refrigerator and ranges stay in each unit. Empty on both sides so you can walk the whole building with no tenant coordination. Live in one side and rent the other, or rent both. Both units rent quickly and have been previously rented $1100 a month plus utilities and split water/sewer for each unit from 2022 until April of this year. Also has high potential for Airbnb/short term style rental. Get in now to this walkable area and grow with the city of Bay City.

Highlights

Listed by Brooklynn Luckhurst , 989-534-6118 EXP Realty , 888-501-7085. MiRealSource, Inc. mls logo

Property Type

Multi-Family

Lot/Acreage
0.16

Year Built

1913

County

Bay

Area

Bay City (09016)

Neighborhood

Center Ave Historic District

School District

Bay City School District

Listing ID

50220347

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Dryer, Range/Oven, Refrigerator, Washer
Air Cond:Exhaust Fan,Wall/Window A/C
Fireplaces:
Above Ground Sq Ft:1786
Basement:Block
Other:
  • Additional:Basement Bath Lav/Half, First Flr Bath Lav/Half, Second Flr Bath Lav/Half, Bay Window, Hardwood Floors
Water:Public Water at Street

Exterior Features

Lot Dimensions:62x110
Others:
  • Additional:Porch
Sewer:Public At Street
Parking Features:Detached Garage,Electric in Garage,Off Street
Principal Interest
$885
Taxes
$115

Home Price

$169,900

Loan Details

30 yrs
6.792%

Down Payment

20%
$33,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$885.37

Principal

Taxes

Principal Taxes HOA Total
Monthly $885.37 $115.17 $0.00 $1,000.54
Yearly $10,624.47 $1,382.00 $0.00 $12,006.47
Total $318,734.11 $41,460.00 $0.00 $360,194.11
Lender profile image
So-Crates Johnson
Dust, Wind, Dude
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Market insight data is pulled from the same city as the listing being viewed (Bay City, MI).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

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Copyright 2026 MiRealSource. All rights reserved. The information provided hereby constitutes proprietary information of MiRealSource, Inc. and its shareholders, affiliates and licensees and may not be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopy, recording, scanning or any information storage and retrieval system, without written permission from MiRealSource, Inc.

Provided through IDX via MiRealSource. Courtesy of MiRealSource Shareholder. Copyright MiRealSource.

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Data last updated: 2026-09-02T01:10:54.300Z

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