182 River Trail Dr, Bay City, MI 48706

1 bd · 1 ba · 1,102 sqft · built 1942 · Bay City · SINGLE_FAMILY·source listing ↗

$74,900

$80,900 first listed

seller intel

Price cut

−7.4%

from $80,900

Motivation score

38/100

OnePercent model (vv1)$1,783/mo

p10–p90 confidence band

HUD Fair Market Rent · 48706 · 1BR$850/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Bay

Flood risk indexRelatively Moderate FEMA NRI

Median household income$62,747

Median area rent$922/mo

Median home value$155,800

the verdict

2.38%vs 1.0% target

financing: 20% down · — (FRED, live) · 30yr

$74,900

2.38% · rent $1,783

Intrinsic value · income approach

$194,229

61% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.