117 N Van Buren St, Bay City, MI 48708

3 bd · 1.5 ba · 2,490 sqft · built 1911 · Bay City · SINGLE_FAMILY·source listing ↗

$39,900

$49,900 first listed

seller intel

Price cut

−20.0%

from $49,900

Motivation score

50/100

OnePercent model (vv1)$1,729/mo

p10–p90 confidence band

HUD Fair Market Rent · 48708 · 3BR$1,320/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$50,518

Median area rent$751/mo

Median home value$107,700

the verdict

4.33%vs 1.0% target

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

$39,900

4.33% · rent $1,729

Intrinsic value · income approach

$170,056

77% 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.