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CondominiumResidential

1111 N WATER ST

BAY CITY, MI 48708
Built 20074 floors35 units1,679–4,922 ft²
$21M
All units combinedThe sum of our current value estimates for every unit in the building — roughly what the whole building's homes are worth together.
$538K
Median unit valueThe middle unit value in this building by our estimate: half the units are worth more, half less.
$242
Median $/ft²The middle price per square foot across the building's units, by our current estimates. Useful for comparing units of different sizes.

+195.3%vs the Bay City ZIP median sale $/ft² ($82)

Sales Performance

$565K
Median sale (12 mo)The middle sale price among this building's units that sold in the last 12 months, from recorded deeds.
-12.4%
1-yr changeHow the building's median sale price over the last 12 months compares with the 12 months before that.
4
Sales (12 mo)Units in this building that sold in the last 12 months, from recorded arms-length deeds.
11.4%
Turnover (12 mo)The share of units that changed hands in the last 12 months. Around 4–6% a year is typical; much higher can signal investor churn or a wave of exits.
This building's own appreciationThe building's own appreciation: for every unit that sold twice (held over a year), we compute its yearly price change between the two sales and take the middle value. This is the cleanest read on how this specific building performs, because it compares each unit to itself.
+1.7%per yeartypical hold 11.1 yrsfrom 15 same-unit resales
Median sale price (yearly, all time)Every recorded arms-length sale in the building since records begin, grouped by year: the bars count sales and the line tracks the median price paid.MedianSales
20062008201020122018202020222026
Sale price per ft² (yearly, all time)The middle price per square foot across the building's units, by our current estimates. Useful for comparing units of different sizes.$/ft²
20062008201020122018202020222026

42 arms-length sales on record for this building.

Unit Mix & Floor PlansThe building's recurring floor plans, found by grouping units with identical beds, baths and square footage in county records. Larger groups are the building's standard layouts; leftover units have one-off sizes.

Every unit: size vs estimated valueEvery unit in the building as one dot: across is its size, up is our current value estimate, and color is its bedroom count. Vertical columns of dots are recurring floor plans; the height spread within a column shows how much floor, view and condition move prices for the same layout.
$425K$682K$938K$1.2M1,679 ft²2,328 ft²2,976 ft²3,625 ft²4,273 ft²4,922 ft²
Studio1 bd2 bd3 bd
Studio
30 units
1 bed
1 unit
2 bed
3 units
3 bed
1 unit
Recurring floor plansThe building's recurring floor plans, found by grouping units with identical beds, baths and square footage in county records. Larger groups are the building's standard layouts; leftover units have one-off sizes.
Studio · 2 ba · 2,213 ft²
6 units
Studio · 2 ba · 2,145 ft²
5 units
Studio · 2 ba · 2,461 ft²
5 units
Studio · 2 ba · 2,170 ft²
4 units
Studio · 2 ba · 2,575 ft²
2 units
One-off layouts
13 units

Value DistributionHow the building's units spread across value ranges by our current estimates. A wide spread usually means big differences in size, floor or view.

$425K–$520K
10 units
$522K–$596K
17 units
$674K–$689K
2 units
$800K–$800K
1 unit
$839K–$854K
3 units
$1.1M–$1.1M
1 unit
$1.2M–$1.2M
1 unit

Value by Floor & LineAverage estimated price per square foot by floor range, using unit numbers to infer floors. Higher floors usually price higher — the gap shows how much the view is worth here.

Floor 1
$242/ft²
Floor 2
$248/ft²
Floor 3
$238/ft²
Floor 4
$276/ft²
Unit lines by $/ft²Condo units stacked vertically share a unit line — the last digits of the unit number (like 05 in 1205, 1305, 1405). Lines share a layout and exposure, so comparing estimated $/ft² by line shows which position in the building commands a premium.
Line ·01
$258/ft²
Line ·04
$257/ft²
Line ·02
$253/ft²
Line ·06
$250/ft²
Line ·03
$249/ft²
Line ·07
$246/ft²
Line ·05
$226/ft²

Ownership & Financing

Owner-occupiedThe share of units where the owner lives in the unit, per county records. The rest are second homes or rentals.86%
Company-ownedUnits owned through an LLC, trust, or other company — a rough proxy for investor ownership.40%
Typical owner tenureThe middle number of years since each unit last changed hands — how long the current owners have been in place.9.0 yrs
Cash purchases (5 yrs)The share of purchases in the last 5 years with no mortgage recorded. High cash share is common in second-home and investor buildings.33%
Avg. loan-to-valueAverage current loan balance against unit value across the building. Low numbers mean owners hold lots of equity — a sign of financial stability.41%
Median owner equityThe middle dollar amount of equity (value minus loans) unit owners hold in this building.$570,604
Median tax billThe middle annual property tax bill among the building's units.$10,864
Pre-foreclosure noticesUnits with an active pre-foreclosure or foreclosure notice on file.0

Recent SalesThe latest recorded arms-length sales in the building, newest first.

Unit 204Jul 1, 2026$615,000Unit 404Apr 7, 2026$840,000Unit 106Feb 3, 2026$450,000Unit 102Oct 1, 2025$515,000Unit 209Jul 1, 2025$645,000Unit 103Mar 21, 2022$440,000Unit 202Jan 7, 2022$425,000Unit 209Dec 13, 2021$625,000Unit 108Oct 19, 2021$460,000Unit 106Apr 19, 2021$350,000

Values are TopHap estimates, not appraisals. Sales, ownership and tax figures come from recorded county documents via ATTOM and can lag by several weeks.

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$360 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$25,450 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$38,950
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$50,900

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.26
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
62
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
13
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.1 in
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyBAY
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Handy Middle SchoolC-
Middle · Grades 6–8 · 1.1 mi
E
Washington Elementary SchoolB
Elementary · Grades KG–5 · 1.1 mi
H
Bay City Central High SchoolB-
High · Grades 9–12 · 1.3 mi

District: Bay City School District

Neighborhood · ZIP 48708These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.13

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.20%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.25,875
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.880 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,724
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$66,076
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.31 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

All UnitsEvery property record the county has at this street address, such as the units in a condo building. Prices shown are our estimates, not asking prices.

1111 N Water St
$1.2M
1111 N Water St # 101
2 ba · 2,461 ft²
$581K
1111 N Water St # 102
2 ba · 2,145 ft²
$541K
1111 N Water St # 103
2 ba · 2,213 ft²
$536K
1111 N Water St # 104
2 ba · 1,965 ft²
$509K
1111 N Water St # 105
2.5 ba · 2,574 ft²
$580K
1111 N Water St # 106
2 ba · 1,856 ft²
$462K
1111 N Water St # 107
2 ba · 2,213 ft²
$536K
1111 N Water St # 108
2 ba · 2,145 ft²
$532K
1111 N Water St # 109
2 ba · 2,461 ft²
$580K
1111 N Water St # 110
1 bd · 2 ba · 2,346 ft²
$522K
1111 N Water St
2 bd · 2 ba · 1,882 ft²
$425K
1111 N Water St # 112
2 bd · 2 ba · 2,145 ft²
$503K
1111 N Water St # 113
2 bd · 2 ba · 1,679 ft²
$454K
1111 N Water St # 201
2 ba · 2,461 ft²
$674K
1111 N Water St # 202
2 ba · 2,145 ft²
$538K
1111 N Water St # 203
2 ba · 2,213 ft²
$534K
1111 N Water St # 204
2 ba · 2,170 ft²
$519K
1111 N Water St # 205
2 ba · 2,575 ft²
$596K
1111 N Water St # 206
2 ba · 2,170 ft²
$512K
1111 N Water St # 207
2 ba · 2,213 ft²
$534K
1111 N Water St # 208
2 ba · 2,145 ft²
$520K
1111 N Water St # 209
2 ba · 2,461 ft²
$689K
1111 N Water St # 301
2 ba · 2,461 ft²
$594K
1111 N Water St # 302
2 ba · 2,145 ft²
$512K
1111 N Water St # 303
2 ba · 2,213 ft²
$562K
1111 N Water St # 304
2 ba · 2,170 ft²
$523K
1111 N Water St # 305
2 ba · 2,575 ft²
$574K
1111 N Water St # 306
2 ba · 2,170 ft²
$512K
1111 N Water St # 307
2 ba · 2,213 ft²
$561K
1111 N Water St # 310
4.5 ba · 4,922 ft²
$1.1M
1111 N Water St # 401
3 bd · 3.5 ba · 3,001 ft²
$845K
1111 N Water St # 402
2.5 ba · 2,946 ft²
$800K
1111 N Water St # 403
3.5 ba · 4,617 ft²
$1.2M
1111 N Water St # 404
3.5 ba · 2,946 ft²
$854K
1111 N Water St # 406
2.5 ba · 3,001 ft²
$839K

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

About 1111 N Water St

How many units are in 1111 N Water St, Bay City, MI?

1111 N Water St, Bay City, MI has 35 residential units across 4 floors, built in 2007, according to county assessor records.

What is a unit at 1111 N Water St, Bay City, MI worth?

The median TopHap Estimate across the 35 units at 1111 N Water St, Bay City, MI is $538,149. That works out to $242 per square foot. Units run from 1,679 to 4,922 square feet. Estimates are modelled from recorded sales and assessments, not appraisals.

Is 1111 N Water St, Bay City, MI expensive for Bay City?

Units at 1111 N Water St, Bay City, MI carry a median of $242 per square foot, 195% above the Bay City median of $82 per square foot.

How often do units sell at 1111 N Water St, Bay City, MI?

4 units at 1111 N Water St, Bay City, MI sold in the last 12 months, out of 42 recorded arms-length sales all time. That is a turnover rate of 11.4% of the building per year. The median sale over that period was $565K.

Have units at 1111 N Water St, Bay City, MI appreciated?

Across 15 repeat sales of the same unit, 1111 N Water St, Bay City, MI returned a median 1.7% per year. Because each pair is the same unit bought and sold, the figure is not distorted by which units traded. The median owner held for 11.1 years.

What floor plans does 1111 N Water St, Bay City, MI have?

The most common plan at 1111 N Water St, Bay City, MI is a 0-bedroom of 2,213 square feet, repeated 6 times, with a median estimate of $536,169. TopHap identifies 5 recurring plans in the building.

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