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About This Home

This 4-bedroom, 3-bathroom single family at 389 Ricoma Beach Road in Bay City, MI is listed for $599,900 ($240 per sqft). Built in 1955, the home offers 2,496 sqft of living space on a 0.26 acres lot.

Agent Description

Experience bayfront living at its finest on Ricoma Beach. This stunning waterfront home offering breathtaking views of Lake Huron in Bangor Township. This beautifully updated home features 4 bedrooms and 3 full bathrooms, 2496 square feet, perfectly designed for both everyday living and hosting guests.

The open kitchen is a standout, complete with granite countertops, stainless steel appliances, in-cabinet lighting, a large pantry, and new flooring that flows seamlessly throughout the home. The layout offers flexibility and comfort, with 1 bedroom on the main floor and 3 additional bedrooms upstairs.

The spacious primary suite is a true retreat, featuring vaulted ceilings, a remodeled bathroom, and a private balcony overlooking the water, perfect for taking in the incredible views and soothing sounds of the waves. A gas fireplace anchors the inviting living room, while laundry rooms on both levels add convenience.

Step outside and enjoy your own private paradise, where you can put your toes in the sand, relax on the beach, or entertain guests on the large concrete patio overlooking the water. The concrete patio doubles as a seawall. The fenced yard provides added privacy, and the two-car garage offers ample storage.

An additional lot across the street provides extra space for parking or the potential for an outbuilding. With a separate upstairs entrance, the home is also ideal for multi-generational living or private guest quarters. Located within walking distance to Tobico Marsh Nature Area, this exceptional property combines natural beauty, modern updates, and versatile living in one incredible waterfront setting. Must see!

Key Features

  • Built in 1955
  • 0.26 acre lot
  • 2 stories
  • Fireplace
  • Waterfront

Property Details

2 stories
3 full
1955

Amenities

FireplaceWaterfrontA/C

Monthly Cost Estimate

$3,208/mo

20% down · 6.5% · 30 years

Principal$434
Interest$2,600
Insurance$175

Estimates only. Actual payments may vary.

Location

389 Ricoma Beach Road

Bay City, MI 48706

Features & Amenities

Interior Features

Cathedral/Vaulted Ceiling

Exterior Features

Exterior BalconyDeckFenced YardPatioPorch

Property Details

Pool Features

DeckPorchPatio

Parking

Garage

Heating

Forced Air

Cooling

Central AirCeiling Fan(s)

Appliances

DishwasherMicrowaveRange/OvenRefrigerator

Questions & Answers

This 4-bedroom, 3-bathroom single family at 389 Ricoma Beach Road is listed at $599,900 ($240/sqft). The estimated monthly payment is $2,600 based on 20% down at 6.5% interest.

Key features include: Built in 1955, 0.26 acre lot, 2 stories, Fireplace, Waterfront. Interior Features: Cathedral/Vaulted Ceiling. Exterior Features: Exterior Balcony, Deck, Fenced Yard.

This property is listed by Joe Karpuk and can be reached at 9899285882 or joekarpuk@gmail.com.

JK

Joe Karpuk

Agent at RE/MAX New Image

(989) 928-5882

Listed by RE/MAX New Image · View on Broker Site

MLS# 50202838· Source: listhub· Updated 73 days ago

Copyright © 2026 Saginaw Board of Realtors MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

389 Ricoma Beach Road, Bay City, MI 48706

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