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Jenn Smart

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1813 3rd St , Bay City, MI 48706
$129,900
Est. Payment: $676.93/mo
4 Bed
2 Bath
1597 Sqft
Status: active | Days on site: 2
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

Whether you're looking to expand your rental portfolio or purchase your first income-producing property, this Certified Rental duplex offers a compelling investment opportunity in one of Bay City's established rental markets. Conveniently located just minutes from Downtown Bay City, near Carol Park and the Johnson Street Business District, this property provides strong rental appeal with easy access to shopping, dining, parks, and major employers. Designed for efficient property management, the duplex features separate heating systems and separate hot water tanks for each unit, helping simplify utility responsibilities. Recent capital improvements include a new Concord 95 furnace (2022) serving the larger unit and new baseboard heating in the smaller unit, reducing near-term maintenance concerns. Both units are clean, well maintained, and move-in ready. The property is currently vacant, giving investors the flexibility to establish market-rate rents or allowing an owner-occupant to offset their mortgage through rental income. The smaller unit has historically rented for approximately $720 per month, while the larger unit has rented for approximately $950 per month, offering an attractive opportunity for immediate cash flow. With rental certification already in place and recently renewed, key mechanical updates completed, and a location that continues to attract tenants, this duplex is well suited for investors seeking a straightforward, income.

Highlights

Listed by Chance Owen , 989-493-0948 Bay Realty Michigan , 989-385-1311. MiRealSource, Inc. mls logo

Property Type

Multi-Family

Lot/Acreage
0.17

Year Built

1880

County

Bay

Area

Bay City (09016)

Neighborhood

n/a

School District

Bay City School District

Listing ID

50217135

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Above Ground Sq Ft:1597
Water:Public Water

Exterior Features

Lot Dimensions:7492
Sewer:Public Sanitary
Principal Interest
$677
Taxes
$214

Home Price

$129,900

Loan Details

30 yrs
6.792%

Down Payment

20%
$25,980
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:
$676.93

Principal

Taxes

Principal Taxes HOA Total
Monthly $676.93 $214.04 $0.00 $890.97
Yearly $8,123.12 $2,568.48 $0.00 $10,691.60
Total $243,693.71 $77,054.40 $0.00 $320,748.11
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.

The information published and disseminated by MiRealSource is communicated verbatim, without change by MiRealSource, as filed with MiRealSource by its members. The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified.

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: 2026-09-02T03:11:55.100Z

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