# 389 Ricoma Beach Road, Bay City, MI 48706

> **TL;DR:** 4bd/3ba single family, $599,900 ($240/sqft), built 1955, 2,496 sqft.
> Fireplace, Waterfront, A/C. Est. $2,600/mo. Listed 73 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $599,900 |
| Price/sqft | $240 |
| Bedrooms | 4 |
| Bathrooms | 3 full |
| Square Feet | 2,496 |
| Year Built | 1955 |
| Lot Size | 11,326 sqft (0.26 acres) |
| Stories | 2 |
| Property Type | Single Family (Other) |
| Status | For Sale |
| Days on Market | 73 |

## Why This Home Stands Out

- **Waterfront** - Direct water access

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $2,600 |
| **Total** | **$2,600** |

## Key Amenities

- Fireplace
- Waterfront
- A/C

## Property Highlights

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

## Description

### 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!

## Location

- **Address:** 389 Ricoma Beach Road, Bay City, MI 48706
- **County:** Bay
- **Coordinates:** 43.694632, -83.925079
- **Google Maps:** https://www.google.com/maps?q=43.694632,-83.925079

## Virtual Tour & Media

- **Video Tour:** https://my.matterport.com/show/?m=4eML8oLxgVi

## Listing Agent

- **Name:** Joe Karpuk
- **Brokerage:** RE/MAX New Image
- **Phone:** 9899285882
- **Email:** joekarpuk@gmail.com

## Primary Photo

![389 Ricoma Beach Road - Primary Photo](http://lh.rdcpix.com/8bc0a23a4b5fc910f44d6bf396168936l-f935842583r.jpg)

*61 total photos available on [listing page](https://www.propertysimple.com/listing/389-ricoma-beach-road-bay-city-mi-48706-50202838)*

---

**MLS#:** 50202838 | **Updated:** 2026-06-19
**Source:** listhub

*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.*

[View on PropertySimple](https://www.propertysimple.com/listing/389-ricoma-beach-road-bay-city-mi-48706-50202838)

---

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