412 ricoma beach, bay city, MI 48706

Waterfront Charm on Saginaw Bay â?? A Hidden Gem! Escape to your own slice of paradise with this adorable 2-bedroom, 1-bath waterfront cottage on 100 feet of stunning Saginaw Bay shoreline! Wake up to breathtaking sunrises from the light-filled sunroom or unwind in the cozy living room with panoramic water views. The rock seawall provides stability while offering possibilities of direct access to endless waterfront adventures. Outside, a spacious yard and a beautiful gazebo create the perfect setting for relaxing, entertaining, or simply soaking in the peaceful surroundings. Plus, the included lot across the road adds even more potentialâ??extra space for outdoor fun, gardening, or future expansion! Adventure is just steps away, with the nearby rail trail for biking and hiking and a state park just down the road. Complete with a Generac generator for peace of mind, this charming retreat is ready to welcome you. Whether you're looking for a year-round home or a vacation escape, this cottage is the perfect place to make memories. Don't waitâ??come experience the magic of lakeside living!

Water Description:  Lake Frontage,Sea Wall,Waterfront,Great Lake

Listing Courtesy of: Kristi Lambert of Ayre/Rhinehart Bay REALTORS

Information provided by Bay County REALTOR^® Association. ©2025
Listing information provided courtesy of the Jackson Area Association of Realtors. IDX information is provided exclusively for consumers' personal, non-commercial use, and it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable, but is not guaranteed accurate by the MLS.

This listing last updated: Tue, March 11, 2025 at 6:06:28 AM EDT

BCRA Listing Data Last Updated on Tue, March 11 2025 at 11:34pm