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Jenn Smart

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21 Cove , Bay City, MI 48706
$619,900
Est. Payment: $3,230.39/mo
4 Bed
4 Bath
2565 Sqft
Status: active | Days on site: 109
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House Description

One-of-a-kind waterfront living awaits in this exceptional custom-built luxury condo, perfectly positioned along the Saginaw River with breathtaking views of Wheeler’s Landing Marina. Completed in late 2024 with impeccable craftsmanship and thoughtful design, this newly constructed residence offers refined riverfront living within one of the area’s most exciting waterfront communities. Designed with barrier-free accessibility and energy-certified construction, this home seamlessly blends elegance, comfort, and efficiency. The sophisticated designer kitchen is both beautiful and functional, featuring granite countertops, a spacious center island with seating, stainless steel appliances including refrigerator, range, microwave, and dishwasher, plus four Philippe Starck pendant lights imported from Italy. A large pantry and coat closet enhance everyday convenience, while rich vinyl plank flooring flows throughout both levels, complementing the home’s modern contemporary style. The expansive open-concept living area is designed to impress with an acoustic feature wall, dedicated HiFi amplifier circuit, TV conduit chase, and fireplace feature wall. Floor-to-ceiling sightlines showcase uninterrupted marina and river views, while abundant natural light fills the space. The living area opens to a covered waterfront patio with ceiling fan, creating the perfect setting for relaxing or entertaining. Additional storage beneath the staircase adds practicality without sacrificing design. The main-floor primary suite offers stunning waterfront views, oversized windows, a spacious walk-in closet, and a beautifully appointed three-piece ensuite with walk-in shower. A conveniently located half bath and main-floor laundry add to the home’s thoughtful layout. Upstairs, a second luxurious primary suite features its own walk-in closet, elegant four-piece ensuite bath, and private balcony overlooking both the marina and river, offering spectacular sunrise and sunset views. Two additional generously sized bedrooms with built-in closets, another beautifully finished four-piece bath, and a second-floor laundry/storage room with GE Profile UltraFast washer/dryer combo provide exceptional comfort and convenience. An additional custom-finished 13x9 storage room offers rare extra space seldom found in condo living. Every room is equipped with Cat 6 LAN wiring and upgraded Decora switches throughout. Additional highlights include a finished 2.5-car attached garage with window, utility room, 96% high-efficiency gas furnace, A/C, energy-efficient insulated windows, high-performance cellulose insulation system, attic storage, and water heater. Built with exceptional attention to detail, quality, and comfort, this remarkable waterfront residence offers the rare advantage of new construction without the wait or expense of building. An added financial benefit, the home qualifies for the Neighborhood Enterprise Zone program, offering approx. 50% off property taxes for up to 14 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

Year Built

2024

County

Bay

Area

Bay City (09016)

Neighborhood

Iron Bridge

School District

Bay City School District

Listing ID

50206684

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Dryer, Microwave, Range/Oven, Refrigerator, Washer
Air Cond:Central A/C
Fireplaces:Gas Fireplace,LivRoom Fireplace
Above Ground Sq Ft:2565
Below Ground Sq Ft:0
Other:
  • Additional:Bay Window, Cable/Internet Avail., Walk-In Closet, Window Treatment(s), Cats Allowed, Dogs Allowed
Water:Public Water

Exterior Features

Zoning:Residential
Others:
  • Additional:Exterior Balcony, Deck, Lawn Sprinkler, Patio, Porch, Storms/Screens
Sewer:Public Sanitary
Parking Features:Attached Garage,Electric in Garage,Gar Door Opener,Direct Access,2 Spaces,Garage
Principal Interest
$3,230
Taxes
$66
HOA
$300

Home Price

$619,900

Loan Details

30 yrs
6.792%

Down Payment

20%
$123,980
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:
$3,230.39

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,230.39 $66.19 $300.00 $3,596.58
Yearly $38,764.62 $794.29 $3,600.00 $43,158.91
Total $1,162,938.64 $23,828.70 $108,000.00 $1,294,767.34
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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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Data last updated: 2026-09-02T01:10:54.300Z

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