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Jenn Smart

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18 Or 20 Cove , Bay City, MI 48706
$374,900
Est. Payment: $1,953.66/mo
0 Bed
0 Bath
0 Sqft
Status: active | Days on site: 143
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

18 or 20 COVE DRIVE. NEW CONSTRUCTION – NOT YET BUILT Save Thousands with the NEZ Program! This condo qualifies for the Neighborhood Enterprise Zone, giving you property tax reductions for the first 15 years, APPROXIMATELY 50% REDUCTION!! Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay City’s newest low-maintenance waterfront community, thoughtfully crafted for comfort, quality, and convenience. Featuring modern single and two-story duplex condominiums, this vibrant neighborhood offers the perfect blend of relaxed riverfront living and easy access to everything the Great Lakes Bay Region has to offer. Located just minutes from I-75, Iron Bridge puts you close to shopping, dining, healthcare, and recreation — while the Saginaw River, Wheeler Landing Yacht Harbor, and the scenic Riverwalk/Rail Trail Loop are right outside your door. Designed for those who value simplicity and style, Iron Bridge Condominiums make it easy to “lock and leave” while enjoying the full benefits of homeownership. Whether you’re starting fresh, downsizing, or ready for a more carefree lifestyle, this community offers the freedom to live beautifully — without the burden of maintenance. Choose from single-story or two-story homes, with optional basements, walk-out lower levels, and fully accessible, zero-threshold floor plans available. Each home is fully customizable, allowing you to work with our design team to personalize your layout, finishes, and fixtures. Options include: • 2 to 4 bedrooms • Basement, crawl space, or slab foundations • Second-floor decks • Custom kitchen, bath, and dining layouts • 1,200 to 2,000 sq. ft. floor plans Pricing starts at $324,900 single story, $399,900 two story. Nestled between the waterfront and Defoe Park, Iron Bridge at Wheeler’s Landing is more than a place to live — it’s a new way of living well. Features you’ll love: • Open Floor Plan – Bright and spacious with customizable finishes. • Energy Certified Design – Energy-efficient Low-E insulated glass windows, high-performance cellulose insulation, and a 96% high-efficiency natural gas furnace with central air. • Luxury Touches – Stainless steel appliances, MOEN plumbing fixtures, and your choice of granite countertops, cabinetry, paint colors, and fixtures. • Spacious Bedrooms – Primary suite with private walk-in bath and walk-in closet; 2nd bedroom with its own walk-in closet. • Outdoor & Expansion Options – Covered patio, fully landscaped yard with sprinkler system, oversized 2+ car garage, plus optional basement for an additional $20,000. • Affordable Living – $300 monthly HOA fee. • Peace of Mind – Backed by a 1-year builder warranty from Mid-Michigan Builders. This is your chance to design a home that is customized, barrier-free, energy-efficient, and tax-advantaged for 15 years!

Highlights

Listed by Jean Ann Styn-DeShano , 989-233-8380 RE/MAX Results , 989-686-3400. MiRealSource, Inc. mls logo

Property Type

Condo/Townhome

HOA Fee

300 Monthly

County

Bay

Area

Bay City (09016)

Neighborhood

Iron Bridge At Wheelers Landing

School District

Bay City School District

Listing ID

50193659

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:0
  • Bathrooms:0
  • Full Bathrooms:
Appliances:Dishwasher, Microwave, Range/Oven, Refrigerator
Air Cond:Central A/C
Fireplaces:
Other:
  • Additional:Bay Window, Cable/Internet Avail., Accessibility Features, Breed Restrictions, Cats Allowed, Dogs Allowed, Number Limit, Size Limit
Water:Public Water

Exterior Features

Zoning:Residential
Others:
  • Additional:Deck, Lawn Sprinkler, Patio, Porch, Storms/Screens
Sewer:Public Sanitary
Parking Features:Attached Garage,Electric in Garage,Gar Door Opener,Direct Access,Garage
Principal Interest
$1,954
Taxes
$49
HOA
$300

Home Price

$374,900

Loan Details

30 yrs
6.792%

Down Payment

20%
$74,980
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:
$1,953.66

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,953.66 $48.67 $300.00 $2,302.32
Yearly $23,443.87 $584.00 $3,600.00 $27,627.87
Total $703,316.18 $17,520.00 $108,000.00 $828,836.18
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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.

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

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