Individually Owned 
For Sale
Contact for pricing
900 W Midland St, Bay City, MI 48706
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Property summary
AI-generated overview
The property is a 2,700-square-foot commercial space located on the corner of Euclid and Midland.
Property profile
Verified
Property type
Banks
Use group
FINANCIAL BUILDING
Year built
1978
Total area
2,700 SF
Lot
0.72 ac (31,363 SF)
Zoning code
C-2B HWY BUS
APN
160-020-166-002-00
UPID
US43-1337794
Cap rate & NOI
Priority signal for investors
Implied cap rate, NOI & suggested price
Cap rate vs submarket · NOI estimate · 3 price anchors
Current use
Occupant on record · Public records
-
Loan Service Bank
-
Insurance Agency
-
Bank Loan Service
-
Atm
-
Atm
Location
Value estimations
Realmo proprietary · 4 methods
AI Approach
AI
by Request
CAP Approach
CAP
by Request
Comparable Approach
Comparable
by Request
Blend (final)
Blend
$310k
Owner & transaction history
since 2020
2 recorded transactions
Zoning & alternative use
C-2B HWY BUS · Bay City, MI
Comparables
6 recent transactions · within 1.5 miComparable in this city
6 recent transactions
Comparable in this City
Similar Nearby for Sale
Similar Nearby for Lease
Recent comparable sales
Sale price & price/SF · Sale date & distance · Adjustments & confidence
Value estimation
Instant AI valuation built from comps, income signals, and proprietary benchmarks. A defensible range, not a single guess.
17% off on annual
Unlock the complete Valuation workflow
Full NOI reconstruction, selected comps, alternative-use scenarios, data audit and PDF export.
Full NOI build-up · 6 steps
Sensitivity value band
Source audit · 6 inputs
PDF export
Analytics Standard · 5 reports
from $99/month
from $99/month
Summary
1
Valuation conclusion
Included free
Estimated market value
$310k
Value range
$279k – $341k
±10% around blend
Estimated value / SF
$115 / SF
Confidence
Property data
100
Comparable evidence
60
Income certainty
100
$279k
blend $310k
$341k
Market-derived valuation under stabilized market assumptions. Desktop analysis. No physical inspection performed.
2
Subject property
Included free
GBA
2,700 SF
Lot area
0.72 ac
Year built
1978
Stories
1
APN
160-020-166-002-00
Zoning
C-2B HWY BUS
Assessed value
$159,900
Annual tax
$26,554
3
Income approach: direct capitalization
Partial preview
Estimated Stabilized NOI, derived from market rent, vacancy and expense benchmarks. Actual property income not reported.
Estimated market rent / SF
Potential gross income
Vacancy allowance
Effective gross income
Benchmark operating expenses
Stabilized NOI
Property tax
$26,554
Selected cap rate
4
Sales comparison
Partial preview
Too few qualifying comparables for a sales-approach estimation.
5
Sensitivity & risk
Partial preview
Downside
−10%
Base
$310k
Upside
+10%
Bounds of the ±10% band vs the blend — never simulated scenarios.
6
Data & methodology
Included free
Building area
County record
Property tax
County record
Assessed value
County record
Zoning designation
County record
Operating expenses
Modeled
Market rent
Market benchmark
Not analyzed due to unavailable source data: actual rent roll, tenant leases, physical condition and capital
requirements are outside a desktop analysis.
Cost Approach excluded: income and sales evidence cover the value conclusion.
Automated valuation analysis, not a licensed appraisal. Figures are derived from public
records and proprietary models. Desktop analysis: no physical inspection, tenant leases or reported
property income. Verify with a licensed appraiser before transacting.
Cap rate
Cap rate calculated from real income and expense signals, benchmarked against sales of similar assets nearby.
17% off on annual
Unlock the complete Cap Rate workflow
Full market tables, editable assumptions, comparable evidence, saved work and exports.
9-scenario matrix
NOI build-up · 9 steps
Market rates by use type
PDF export
Analytics Standard · 5 reports
from $99/month
from $99/month
Overview
Selected market yield
9.33%
Selected cap rate for this banks
Derived from the Bay City market rent, vacancy and expense benchmarks for this use type.
Lower yield / higher price
Higher yield / lower price
5.0%
This property · 9.33%
9.0%
NOI (est.)
$26k *
* derived from a real price signal at a 7% cap
Price sensitivity
The rate is the decision lever; valuation is the consequence.
Test a cap rate
Implied value$275k
Move the market yield to see immediate price impact.
Value / SF
$102
Vs. selected
Base
Derivation
NOI ÷ cap
Arithmetic over the derived NOI * — not market scenario modeling.
NOI × cap matrix
Preview
Preview of 9 modeled outcomes.
NOI
8.83%9.33%9.83%
$23k
$262k
$248k
$235k
$26k
$291k
$275k
$261k
$28k
$320k
$303k
$287k
NOI sensitivity ±10% across the selected-rate band (±0.5 pp) — derivation of the NOI above.
Property tax & assessments
Tax year 2023Property tax & assessments
Tax year 2023
Tax billed
$26,554
Tax year 2023
Assessed value
$159,900
Assessed 2024
Previous assessed
$264,800
-39.6% YoY
Effective rate
16.61%
On assessed value
Total market value
$319,800
Applied tax rate
160.0000
Automated cap rate analysis. Based on public records, market benchmarks and proprietary
models. Verify with a licensed professional before transacting.
Property description
Physical attributes from public recordsBuilding & lot
Public records
Property type
Banks
Use group
FINANCIAL BUILDING
Status
For Sale
Year built
1978
Heating
FORCED AIR
Stories
1
Total area
2,700 SF
Lot
0.72 ac (31,363 SF)
Zoning code
C-2B HWY BUS
APN
160-020-166-002-00
UPID
US43-1337794
Jurisdiction
BAY
Zoning & alternative use
C-2B HWY BUS · Bay City, MIZoning C-2B HWY BUS · permitted uses
C-2B HWY BUS · Bay City, MI
Permitted & conditional uses
Allowed uses · Special-permit conditions · Prohibited uses
Building & site characteristics
From public records
Year built
1978
Heating
FORCED AIR
Stories
1
Lot
0.72 ac
Zoning
The recorded zoning designation, what the district officially allows, and the municipal source it comes from.
Zoning designation
County-recorded code
C-2B HWY BUS
Jurisdiction
Bay City, MI
Recorded code
C-2B HWY BUS
Zoning Insight
What can be built and operated here — officially.
The district profile from the municipal source: what is on file for C-2B HWY BUS in Bay City, MI.
What opens after registration
Zoning profile
3 official documentsVerified municipal sources with file download
Match provenanceAssignment basis, match tier and confidence
Private report access
See the official zoning profile for this address.
Registration is required before the official district profile is shown.
One complete report on every paid plan · 5 · 30 · 100 reports per month.
Ownership Intelligence
Find the owner behind the property.
Unlock the evidence behind ownership: portfolio, transactions, debt and signals that help you decide who to contact next.
What opens after registration
Ownership report
Owner identityResolved entity and name variants
Portfolio holdingsLinked properties and estimated value
Deal signalsSell-side activity worth following
Debt & historyRecorded loans and transaction history
Private report access
See the ownership record for this address.
Registration is required before any owner information is shown.
One complete report on every paid plan · 5 · 30 · 100 reports per month.
Owner of record and activity signals are derived from public records and modeled classifications.
They do not confirm beneficial ownership or intent to transact.
Try Rey
Ask anything about this address in plain English.
“Is 15.6% cap rate sustainable?” · “Best tenant mix for BU1?” · “What’s the redev upside?”
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