SAGINAW RIVER VIEWS – NEXT TO WHEELER LANDING YACHT HARBOR! BONUS IT’S BARRIER FREE ACCESSIBILITY!!! PROPERTY TAXES REDUCED 50% FOR UP TO 15 YEARS!! If you love the waterfront lifestyle without the waterfront prices, this home is for you! Enjoy scenic river views and the convenience of Wheeler Landing right next door. The studs are up and waiting for you to make this brand new 4 bedroom, 2 ½ bath story-and-a-half home your own. Designed with cathedral ceilings, an open floor plan, and Energy Certified efficiency, it features Low-E insulated windows, a 96% high-efficiency natural gas furnace, central air, and high-performance cellulose insulation. The spacious kitchen is ready for your selections—choose your own cabinetry, granite countertops, stainless appliances, plumbing fixtures, flooring, and more. The primary suite includes a walk-in closet and private bath with a full walk-in shower. Additional bedrooms provide plenty of space for family or guests, with a second full bath and a convenient half bath. First floor is fully barrier-free accessible, making it convenient for all lifestyles. Exterior highlights include a covered front porch, stamped concrete patio with roof cover, vinyl and stone exterior, and professional landscaping with sprinkler system. This is your chance to customize a brand new home in a premier riverfront location—don’t miss it! HOA SERVICES PROVIDE: LAWN CARE, SPRINKLER SYSTEM, TREE, SHRUB, AND BED MAINTENANCE, SNOW REMOVAL FROM DRIVE AND WALKS FOR SNOW EVENTS OVER 2”, SPRING AND FALL CLEANUP AND MORE AS PROVIDED BY THE MASTER DEED.
Banks, located between the Saginaw River waterfront and the Uptown Bay City corridor, is a historic and residential Bay City neighborhood with river views and a walkable street grid. The neighborhood’s character concentrates around Center Avenue near Wenonah Park, where brick storefronts, coffee counters, and small galleries set a steady daytime rhythm. Architectural cues lean toward early-20th-century houses and compact blocks that keep errands and riverfront strolls on the same route. Wenonah Park and the Riverwalk frame the outdoor calendar with festivals, benches, and boat traffic. Downtown anchors like the Bay City State Theatre and Studio 23 keep arts programming in regular rotation. Independent shops and dining along Center Avenue give the area its local cadence.
Provided by Walk Score and Local Logic
Market insights
14 COVE Dr · $399,900
DAYS ON MARKET
376 days
The average home goes pending in 59 days.
SALE-TO-LIST
97.9%
Most homes are selling 2% below list price.
LIST PRICE
$399,900
Median list price in this area is $210,090. (47% lower than this home)
PRICE DROP
0 price drops
9% of homes in this area have had a price drop in the past month.
Property details
Interior
Exterior
Finance
Kitchen
Bathroom
Bedroom
Living
Interior features
Bay window
Cable/Internet available
Walk-in closet
Bedrooms
Main floor bedroom (16 x 13)
Second floor bedroom (16 x 11)
Second floor bedroom (W=13)
Second floor bedroom (16 x 13)
Bathrooms
Two full bathrooms
One lavatory
Main floor full bathroom (approx. 15 x 6)
Second floor full bathroom (approx. 8 x 12)
Kitchen
Dishwasher
Disposal
Microwave
Range/Oven
Refrigerator
Pantry
Eat-in kitchen
Breakfast nook
Laundry & utility
Main floor laundry (7 x 5)
Utility/Laundry room
Flooring
Other (flooring listed as Other throughout)
Heating & cooling
Floor furnace heating
Central A/C
Exterior features
Deck
Patio
Porch
Lawn sprinkler
Storms/Screens
Lake/river privileges
Water view
Cleared shoreline with lawn
Cul-de-sac
Subdivision location
City limits
Home design
Condominium
Site condo
1 1/2 story
Incomplete new construction (2025)
River view
Parking
Attached garage with direct access
Garage has electric and garage door opener
Workshop in garage
Garage dimensions approximately 24 x 25
Approximately 3 or more parking spaces
Paved driveway
Construction
Stone and vinyl siding with vinyl trim
Slab foundation
Year built 2025
Utilities
Public water
Public sanitary sewer
Natural gas connected
Electricity connected
Gas water heater
Cable available
Phone available
Internet DSL available
Internet (Spectrum)
HOA & community
Association: IRON BRIDGE CONDOMINIUM
Association fee $300 monthly
Association fee includes lawn maintenance and snow removal
Community amenities: grounds maintenance, marina, park, Wi‑Fi available
Pets allowed (dogs and cats allowed), pet restrictions apply
Other
Has association fee
Roads: city/county, curbed, paved street, private road, private with association
Electricity and solar
View estimated energy costs and solar savings for this home