1111 North Water Street

Bay City, MI 48708

$1,195,000
Price
4
Beds
4,617 Sq. Ft.
$259 / Sq. Ft.
4,617
Sq. Ft.
$259
per Sq. Ft.
Get preapproved with Rocket Mortgage1
New
New
50213767-8bb380ba-6304-4552-8d50-b2e1087898a0.JPG
50213767-c261d05d-3ecb-4f00-bc57-995d6abd8e97.JPG
50213767-11ececf4-487a-46de-85df-708e6f909144.JPG
50213767-78af4ded-bce5-46a3-8738-5ecc79220734.JPG
50213767-d45f95d7-3910-4d44-af79-9e94be7e47df.JPG
50213767-cee7c705-c778-4ca4-9869-98cc852da3de.JPG
50213767-5405ce63-2854-4e41-abaf-1d6d678b43ac.JPG
50213767-e48b655e-fe8b-4d1a-8bbb-450c07c77941.JPG
50213767-8d33f5f8-503d-4906-82dc-404b93a9acb6.JPG
50213767-5dec562c-d3f9-4d9a-b27e-61b366d590d3.JPG
50213767-79c492a9-02db-4c27-8481-b653a321368a.JPG
50213767-5093727a-dc2b-464b-9d06-5e1f2fc06fe7.JPG
50213767-74d7bb3b-65b4-47ad-a349-c542a79b7df8.JPG
50213767-20596f56-d9c2-41ce-aa12-ded869b500a5.JPG
50213767-6cb94efb-9995-4759-adde-51df34a572f1.JPG
50213767-20e11f89-af83-49c7-9e25-d1d2fd44f528.JPG
50213767-941baecf-403a-47b1-b9d8-a8f5953036d8.JPG
50213767-2ddf997e-d300-4fbf-8587-08d860a6fd0c.JPG
50213767-bbda2c38-b862-4689-b7e7-fa34d14b3d8c.JPG
50213767-20657564-754d-406f-a67b-e8a83cd21683.JPG
50213767-34bf3255-7f87-4b0b-ac70-3d6ab8b7a117.JPG
50213767-9d0f869d-653b-442c-ac20-f863dcdb6544.JPG
50213767-748302df-0ab6-4ade-aa33-b2e19f0a61d8.JPG
50213767-bde44985-0695-4c46-ab83-a9d378c74000.JPG
50213767-a31dce6d-6cb9-42b8-b0de-6c3f2e07a0a2.JPG
50213767-36d8760c-333b-44e5-9a02-b890eabc6165.JPG
50213767-2394cc6b-4220-4658-a066-e2ec4360014e.JPG
50213767-755c110b-3d20-43ec-b171-cb67321cb25f.JPG
50213767-6bf40857-d05c-4e78-9cf0-b3a3fe27cc8a.JPG
50213767-934f1590-6004-4d04-9ba2-942b93273012.JPG
50213767-28f74004-133b-4a95-8ea1-6ece9fd35871.JPG
50213767-10762dc6-0d7e-424e-871b-13aae53e2880.JPG
50213767-96637dac-e1ec-4a76-afdf-2b8cb0c44314.JPG
50213767-379cd299-0366-434e-8cd3-6570760e1ba2.JPG
50213767-12abde5d-5cbe-4eb1-86de-c169d32965d3.JPG
50213767-a147bbf3-2b2c-48af-aec5-f5c765626e18.JPG
50213767-454ad5ab-63f2-42f4-93f7-2ec0a6ad6bcd.JPG
50213767-946a097c-bcde-46fe-a67e-97839b64a067.JPG
50213767-4e632c29-2c97-4ad0-8922-be33dc1496ea.JPG
50213767-861b2cfc-fe94-4db9-b528-c5ff44354e96.JPG
50213767-1bd0da86-bad0-4ea9-9daa-8478aba9b748.JPG
50213767-fb7bb54b-42b2-41a4-86ee-204ce82cb508.JPG
50213767-e0e4ba15-4d45-4f5a-96d3-24ab6e205bb8.JPG
50213767-eb32c6fc-33f7-4c18-9e1d-3bb0e5cc41d0.JPG
50213767-c38498f0-05fe-4bb5-9a25-7c88a340fb99.JPG
50213767-27977ba2-c85e-4be1-b9b7-cb119be86e5d.JPG
50213767-d8cb3c67-23d9-47a2-9e1d-290fee8f2d78.JPG
50213767-d25bf81c-9481-4e85-bf99-60447e3209e1.JPG
50213767-e6cf508d-2cea-47fa-a2d6-9ebd8cac647f.JPG
50213767-8ec27c18-4555-4067-a2f3-0f43237403fc.JPG
50213767-72494404-52b1-40b0-81f9-a1837d8235d0.JPG
50213767-1c7a3f69-06ed-4d26-bf67-d6a4ea78bdde.JPG
50213767-43f8b122-4e00-415b-b179-1e682553adcc.JPG
50213767-e14aa7f1-db15-4957-944c-873cf559d4cf.JPG
50213767-58378d04-bbe0-4dd8-99b9-f51506948cae.JPG
50213767-2a07cf2f-1fd3-4383-b7d6-e1f18341e533.JPG
50213767-a8829a5d-19cc-4a7d-b88c-e4892eda64b3.JPG
50213767-0f7f56d7-25b1-4b71-a37d-14fc3ae3e67e.JPG
50213767-2d9608d3-2178-49e1-baee-52c4539d3e34.JPG
50213767-7c816249-1db4-4caf-960a-6a403da24be2.JPG
50213767-d437a296-dccc-4a6f-b6e3-1ef08556090f.JPG
50213767-fb411c8d-3888-431f-ac06-07df8a61244b.JPG
50213767-0ec6c671-c459-470e-bf98-6ee58ab32ba8.JPG
50213767-aea8c307-a7b4-455c-a433-319de5a0bc40.JPG
50213767-3f9847b0-6b7a-40ff-ae47-13829873477d.JPG
50213767-a883733b-99c4-41b4-8e37-4b0f84e2464e.JPG
50213767-41d7f93e-cc79-44cc-b31d-5be95feaa8ac.JPG
50213767-6fbf7342-5066-49d3-9db9-70d39529d553.JPG
50213767-b8baac28-e944-464d-aa49-020874f5dbba.JPG
50213767-d2e33f55-8736-40b4-92e2-81a221324fe2.JPG
50213767-78c678d6-38ab-4787-97a2-832d07b311fb.JPG

Description

Welcome to a rare opportunity to own one of Bay City's most distinguished waterfront residences. This remarkable penthouse spans over 4,600 square feet of impeccably designed living space, featuring timeless finishes, exceptional craftsmanship, and sweeping views of the Saginaw River. With 4 bedrooms and 5 bathrooms, the residence is anchored by a luxurious primary suite offering private balcony access, a custom walk-in closet, and a distinctive his-and-her bathroom layout. For added indulgence,...Welcome to a rare opportunity to own one of Bay City's most distinguished waterfront residences. This remarkable penthouse spans over 4,600 square feet of impeccably designed living space, featuring timeless finishes, exceptional craftsmanship, and sweeping views of the Saginaw River. With 4 bedrooms and 5 bathrooms, the residence is anchored by a luxurious primary suite offering private balcony access, a custom walk-in closet, and a distinctive his-and-her bathroom layout. For added indulgence, a private steam room provides the perfect space to unwind and rejuvenate. One of the bedrooms serves as a beautifully designed art studio, featuring a built-in sink, custom cabinetry, and a spacious work desk-perfect for artists, hobbyists, or anyone seeking a serene and functional creative space within the comfort of home. From the moment you enter through the custom mahogany front door, you're greeted by soaring ceilings and intricate woodwork throughout. The heart of the home is a true entertainer's dream: a fully outfitted gourmet kitchen designed with professional functionality in mind. It includes a hidden butler's pantry with its own sink, stove, and storage, ideal for catering or staff. The kitchen can also be closed off entirely from the main living area for added discretion during events or gatherings. The adjacent bar is thoughtfully equipped with four refrigerated drawers, two freezer drawers, a wine refrigerator, and a second dishwasher-perfect for seamless entertaining on any scale. The residence offers both a formal living room and a separate family room, each with its own fireplace, creating multiple cozy and sophisticated gathering areas. A private office with balcony access offers a serene setting for remote work with inspiring waterfront views. The expansive balcony offers panoramic views of the Saginaw River, Liberty Bridge, and passing freighters-ideal for hosting guests at sunset or enjoying tranquil mornings by the water. A unique feature of this penthouse is its dual-entry layout. In additio
  1. Listed by Karah Ralph • Century 21 Signature Realty Midland
    P: (989)-252-7811 KARAH@KARAHRALPH.COM
  2. Listed by Thomas Webb • Century 21 Signature Realty Midland
    P: (989)-492-0650 tom@tomwebb.com

Property Details for 1111 North Water Street

Subdivision Name
BOATHOUSE CONDOMINIUMS
Architectural Style
Other
Waterfront Features
Lake Privileges, River Front, Waterfront
Waterfront
Yes
LISTING UPDATED: 07/03/2026 11:37 PM

Property Details for 1111 North Water Street

StatusActive
MLS #61050213767
Days on Market1
Pet Policy-
Taxes$24,110 / year
HOA Fees$650 / month
Condo/Co-op Fees-
Property TypeCondo
MLS TypeResidential / Condominium
Year Built2007
CountyBay County
Get preapproved with Rocket Mortgage1

Location

Listing Courtesy of Century 21 Signature Realty Midland
Add your commute

Building Information for 1111 North Water Street

Building/Complex1111 N Water StFloor-Stories-Residences-Pet Policy-Pet Policy Details-Year Built2007

Payment Calculator

Get preapproved with Rocket Mortgage1

$8,614 per month

30 year fixed, 6.36% Interest

Principal and Interest

$5,955

Property Taxes

$2,009

HOA Dues

$650

The Payment Calculator is for illustrative purposes only.

Know your buying power with a preapproval and custom rate in minutes

Rocket Mortgage1

Property Information for 1111 North Water Street

Summary
Location and General Information
  • Latitude: 43.602314
  • Longitude: -83.889898
  • Cross Street: Water / Second
  • MLS Area Major: Area92102Bay City
  • Water Body Name: Saginaw River
Taxes and HOA
  • Association Fee: $650.00
  • Parcel Number: 0916002117903400
  • Tax Amount Summer: $19,034.30
  • Tax Amount Winter: $5,075.22
  • Tax Annual Amount: $24,109.52
  • Tax Legal Description: UNIT #403 & #404, BOATHOUSE CONDOMINIUMS, BAY COUNTY CONDOMINIUM SUBDIVISION PLAN #58, LIBER 2354, PG 96 (SPLIT FROM 09-13-21-179-001 FOR 2005 & COMB W/ -035 FOR 2006) (SEE ALSO 09-13-21-179-134 (BLDG VALUE - PRE-REHAB) AND 03-00-04-028-034 (NEW VALUE FROM BLDG REHAB) - OBS PROP REHAB ACT)
  • Tax Year: 2025
  • Association Fee Frequency: Monthly
  • Association: Yes
School Information
  • High School District: Bay City
Parking
  • Garage Spaces: 4.0
  • Attached Garage: Yes
  • Garage: Yes
  • Parking Features: Assigned2Spaces, Four Car Garage, Attached, Garage, Garage Door Opener
Property
Lot Information
  • Frontage Type: Waterfront
  • Lot Features: Water View
  • Road Surface Type: Paved
Property and Assessments
  • State Equalized Value: 520550.0
  • Living Area: 4617.0
  • Building Area Source: Estimated
  • Above Grade Finished Area: 4617.0
  • Above Grade Finished Area Source: Estimated
  • Above Grade Finished Area Units: Square Feet
  • Class Name: Residential
  • New Construction: No
  • Other Structures: Gazebo
  • Property Condition: Site Condo
  • Year Built: 2007
Building Features
  • Construction Materials: Brick, Shingle Siding
  • Foundation Details: Basement
  • Levels: One Story Up
Utilities
  • Sewer: Public Sewer
  • Water Source: Public
Interior and Exterior Features
Interior Features
  • Bathrooms Total Notational: 4.1
  • Appliances: Bar Fridge, Dishwasher, Microwave, Oven, Refrigerator, Range
  • Basement: Common
  • Has Basement: Yes
  • Bathrooms Full: 4
  • Bathrooms Half: 1
  • Bathrooms Total Integer: 5
  • Bedrooms Total: 4
  • Cooling: Central Air
  • Has Cooling: Yes
  • Fireplace Features: Family Room, Living Room
  • Fireplace: Yes
  • Heating: Forced Air, Natural Gas
  • Has Heating: Yes
  • Interior Features: Entrance Foyer, Wet Bar, Walk In Closets
  • Rooms Total: 10
Exterior Features
  • Association Amenities: Boat Dock, Storage
  • Exterior Features: Balcony
Room Information
Room 1
  • Room Length: 16.0
  • Room Width: 18.0
  • Room Level: Main
  • Room Type: Primary Bedroom
Room 2
  • Room Length: 17.0
  • Room Width: 12.0
  • Room Level: Main
  • Room Type: Bedroom4
Room 3
  • Room Length: 16.0
  • Room Width: 14.0
  • Room Level: Main
  • Room Type: Bedroom2
Room 4
  • Room Length: 14.0
  • Room Width: 17.0
  • Room Level: Main
  • Room Type: Bedroom3
Room 5
  • Room Length: 16.0
  • Room Width: 15.0
  • Room Level: Main
  • Room Type: Dining Room
Room 6
  • Room Length: 25.0
  • Room Width: 17.0
  • Room Level: Main
  • Room Type: Family Room
Room 7
  • Room Length: 18.0
  • Room Width: 16.0
  • Room Level: Main
  • Room Type: Kitchen
Room 8
  • Room Length: 10.0
  • Room Width: 19.0
  • Room Level: Main
  • Room Type: Laundry
Room 9
  • Room Length: 25.0
  • Room Width: 27.0
  • Room Level: Main
  • Room Type: Living Room
Room 10
  • Room Length: 15.0
  • Room Width: 16.0
  • Room Level: Main
  • Room Type: Office
Room 11
  • Room Length: 17.0
  • Room Width: 11.0
  • Room Level: Main
  • Room Type: Bath Full
Room 12
  • Room Length: 10.0
  • Room Width: 20.0
  • Room Level: Main
  • Room Type: Primary Bathroom
Agent
Sale and Listings
  • Public GLR Website: Yes

Property History for 1111 North Water Street

DateEvent & SourcePriceAppreciation
Jul 3, 2026

Listed (Active)

Realcomp #61050213767

$1,195,000—
May 19, 2026

Temporarily Off Market

Realcomp #61050183563

$1,195,000—
Jul 30, 2025

Listed (Active)

Realcomp #61050183563

$1,195,000—
DateEvent & SourcePrice
07/03/2026

Listed (Active)

Realcomp #61050213767

$1,195,000
05/19/2026

Temporarily Off Market

Realcomp #61050183563

$1,195,000
07/30/2025

Listed (Active)

Realcomp #61050183563

$1,195,000

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 1111 North Water Street

Taxable ValueLand-Additions-Total-
Tax Record2026$360 ($30 / month)
Home Facts
Beds0StyleCondominiumZoningC-3 CTRL BUSCountyBAYAPN160-021-179-038-00

Schools near 1111 North Water Street

This home is within Bay City School District.
Rating
School
Type
Grades
Distance
Washington Elementary School
Public - PK to 5
Handy Middle School
Public - 6 to 8
Bay City Central High School
Public - 9 to 12
Bay City Virtual School
Public - 9 to 12
Rating
School
Distance
Washington Elementary School
PublicPK to 5

Handy Middle School
Public6 to 8

Bay City Central High School
Public9 to 12

Bay City Virtual School
Public9 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

Similar Homes

Explore Nearby Homes

More information about 1111 North Water Street, Bay City, MI 48708

1111 North Water Street is a condo for sale in Bay City, MI 48708. This property was listed for sale on July 3, 2026 by Century 21 Signature Realty Midland, it's currently listed at $1,195,000. This listing's school district is Bay City School District. Nearby schools include Washington Elementary School, Handy Middle School and Bay City Central High School. 1111 North Water Street is a 4-bed, 5-bath, 4,617 sqft condo built in 2007.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Century 21 Signature Realty Midland

IDX provided courtesy of Realcomp II Ltd. via Compass and its related brokerages. Copyright 2026 Realcomp II Ltd. Shareholders. IDX information is provided exclusively for consumers' personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified. Any use of search facilities of data on the site, other than by a consumer looking to purchase real estate, is prohibited. The data relating to real estate properties on this website was last updated on 07/03/2026 11:37 PM PST