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Jenn Smart

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225 Lagoon Beach , Bay City, MI 48706
$299,900
Est. Payment: $1,562.82/mo
3 Bed
2 Bath
1551 Sqft
Status: pending | Days on site: 191
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

Your Gateway to the Bay: The Ultimate Waterfront Retreat Whether you’re a die-hard angler, a weekend cruiser, or someone who just appreciates a sunrise over the water, this 3-bedroom, 2-bathroom story and a half is the "Sportsman’s Paradise" you’ve been waiting for, located in the desirable Bangor Township area. This property boasts a sprawling 100-foot wide lot anchored by a pristine, heavy-duty seawall. The standout feature is the expansive full-length deck built directly over the seawall, offering a massive platform for entertaining, sunbathing, or docking your boat. From your private canal frontage, it is a smooth, scenic trip directly out to the open waters of the Saginaw Bay, making every day feel like a vacation. Inside, the home offers a functional and comfortable 3-bedroom, 2-bathroom layout, but the real value lies in the storage and potential. Unlike many waterfront homes, this property features a full basement, providing a blank canvas for a secondary living space, a home gym, or a dry workshop. Outside, there is a large detached garage suited for the Michigan lifestyle, offering ample storage for fishing gear, and outdoor toys. The location is a dream for outdoor enthusiasts alike. You are perfectly positioned just minutes from the Bay City State Park and the serene hiking trails of the Tobico Nature Center. With local boat launches, premier shopping, and popular waterfront restaurants just around the corner, you get the quiet privacy of a waterfront lot without sacrificing any modern conveniences. This is more than a home; it is a legacy property in one of the area's most sought-after communities.

Highlights

Listed by James Diedrich , 989-280-8942 Ayre/Rhinehart Bay REALTORS , 989-892-4800. MiRealSource, Inc. mls logo

Property Type

Residential

Lot/Acreage
0.32

Year Built

1968

County

Bay

Area

Bangor Twp (09001)

Neighborhood

No

School District

Bangor Township Schools

Listing ID

50199330

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Air Cond:Central A/C
Fireplaces:Wood Burning
Above Ground Sq Ft:1551
Below Ground Sq Ft:0
Basement:Block
Water:Public Water

Exterior Features

Lot Dimensions:100 x 140
Sewer:Public Sanitary
Parking Features:Detached Garage
Principal Interest
$1,563
Taxes
$276

Home Price

$299,900

Loan Details

30 yrs
6.792%

Down Payment

20%
$59,980
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:
$1,562.82

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,562.82 $275.85 $0.00 $1,838.67
Yearly $18,753.85 $3,310.25 $0.00 $22,064.10
Total $562,615.42 $99,307.50 $0.00 $661,922.92
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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Data last updated: 2026-09-02T03:11:55.100Z

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