Listing Name: Cotter Rd
Build Your Bay County Homesite on 2.5 Mostly Flat Acres Near Saginaw Bay!
Size: 2.50 acres
Discounted Cash Price: $34,900
Or you could get this property today for just $9,000!
Ask us how!
Usage: Agricultural
Location: Essexville, Bay County, MI
Highlights
- 2.5 acres near Bay City
- Flat, partially wooded setting
- Paved N Cotter Road access
- Water and electric reported nearby
- Agricultural zoning flexibility
- Mobile/manufactured home potential
- Saginaw Bay recreation nearby
Details
Set up your Bay County land plan on 2.5 acres along paved N Cotter Road in Hampton Township, where flat ground, partial tree cover, and open Michigan farm-country surroundings create a quiet rural setting near Essexville and about 10 miles from Bay City.
The parcel is zoned Agricultural (A), with rural residential and small-scale agricultural possibilities to verify with Hampton Township. Water and electric are reported available or nearby, septic is required, and mobile/manufactured home potential is reported subject to township code, placement, and utility requirements.
Saginaw Bay and the Lake Huron shoreline, Bay City State Park and Tobico Marsh, downtown Bay City, Delta College Planetarium, the USS Edson museum ship, and the Bay City Riverwalk add real weekend appeal without putting you in the busy city core.
Call or text 520-445-3288 with questions.
Saginaw Bay shoreline at Bay City State Park, a popular beach and birding spot nearby.
Bay City’s waterfront on the Saginaw River, about 9 miles from the property.
Bavarian Inn Lodge in Frankenmuth, one of the area’s best-known day-trip destinations.
Stats
Location: N Cotter Rd, Essexville, MI 48732 area
County / Township: Bay County, Hampton Township, Michigan
GPS Coordinates: 43.568232, -83.720674
Acreage: 2.50 acres
APN: 070-062-400-015-01
Acreage: 2.5 acres
Zoning: A / Agricultural
Nearest road/address: N Cotter Rd, Essexville, MI 48732
Terrain: Flat, partially wooded
Road/access: Access from paved N Cotter Road
Utilities: Water/electric reported available or nearby; septic required; propane for gas
Waste: Republic Services listed for waste
HOA/POA: No HOA/POA found; buyer to verify deed restrictions
Taxes: Available tax data lists $312; buyer to verify current annual total
Nearest Town: Essexville, about 7 miles
Closest Major City: Bay City, about 9 miles
Bay City State Park: About 9 miles
Frankenmuth: About 16 miles
Disclosures
FEMA NFHL parcel-center data indicate FEMA Flood Zone AE. Buyers should verify floodplain rules, elevation requirements, insurance implications, and building feasibility with Hampton Township, Bay County, FEMA resources, and qualified professionals.
Minimal wetland or drainage-area impact is reported near the front/roadside area. Buyers should verify exact wetland boundaries and any permitting requirements before improving the property.
Septic is required; public sewer hookup was not verified. Buyers should verify septic design, soil/perk approval, permits, and costs.
Water and electric are reported available or near the road, but active service, meters, taps, extensions, providers, and connection costs are not verified.
A driveway is noted as roughed in, but no permit has been verified. Buyers should confirm driveway and access-permit requirements.
Mobile/manufactured home, short-term rental, accessory-structure, agricultural, farm-market, and special-use rights must be verified with Hampton Township before purchase or construction.
No HOA/POA/CC&Rs were found, but deed restrictions were not obtained or verified.
Property boundaries shown on maps or imagery are approximate and are not a survey.
Exact current annual tax total should be verified because available records do not match cleanly as a single annual-tax figure.
Seller is offering to assign seller’s equitable interest in this real property.
All information is deemed reliable but is not guaranteed. Buyer must perform independent due diligence before purchase.
Buyer should verify property boundaries, zoning, permitted uses, building requirements, access, utilities, taxes, association rules, title, environmental conditions, and all permits with the appropriate county, township, association, utility, and professional sources.
Seller and marketer are not providing legal, financial, engineering, surveying, zoning, environmental, or tax advice.
Availability, pricing, and financing terms are subject to change until a written purchase agreement is fully executed. Financing is subject to seller approval.
Buyer is responsible for verifying all information with the County as to what can and can’t be done with the property. Buyer will need to work with the County to obtain the proper permits if needed. Buyer will also need to confirm the availability of any utilities.
Common Buying Options
Cash and Same as Cash
Get the best pricing with the Discounted Cash price. This always results in the least total amount paid!
On some properties, we are also able to offer the cash price with no interest if you are able to fully complete the purchase in 6 months or less. For this to work, we ask for 50% of the total cash price up front, and then you’ll have the following 5 months to pay the remaining 50% in whichever fashion works best for you (2 payments of 25% each, 5 payments of 10% each, 2 payments of 20% each and 1 of 10%, etc). The funds are held in escrow by a state licensed Title Agency until closing, so everyone is secure. Title will close the sale once the total purchase price has been paid.
Financing
Yes! WE DO offer seller financing!
Keep in mind that we are a small family business, we don’t pull a credit report and we don’t charge any origination or early payment fees… so we need to charge a somewhat higher interest rate and cannot offer the discounted cash price on seller financed sales. Our annual interest rate varies, but if you have other sources of financing we encourage you to investigate those options first because if you can bring outside financing, that will allow you to take advantage of the discounted cash price!
The down payment amount for most properties has been established at a level that allows for a traditional close – you will own the property at closing! The future monthly payments are secured by a Mortgage or Deed of Trust, depending on the state the property is in.
If the down payment required for a traditional close is a problem, on select properties we also offer a lease purchase option with a much lower up front cost. With this option, you don’t immediately own the property. However you will have the right to access and use it as vacant land, and you will be building credit monthly towards its eventual purchase.
The monthly payment amount and the number of payments are negotiable in either case! It will basically depend on how long will you need to complete the payoff.
Note that not all options are available on all properties.
Give us a call to find the terms that work best for you!
Option 1: Low Upfront Payment + Low Monthly, but longest terms (No rush! Get it done when you can, with a higher total amount paid)
Option 2: Low Upfront Payment + High Monthly, for mid duration terms (Get it done at a comfortable pace, with moderate total amount paid)
Option 3: High Upfront Payment + Mid Monthly, but shortest terms! (Get it done and over with quickly, with less total amount paid)