Bay City Homes with USDA Loan Finance Available

Bay City Homes with USDA Loan Finance Available

Bay City, located in Matagorda County, Texas, is a charming city that offers a perfect blend of small-town charm and modern amenities. Situated in the United States, Bay City is known for its rich history, vibrant culture, and friendly community.

One of the highlights of Bay City's real estate market is the availability of homes with USDA loan finance. This means that potential homebuyers can take advantage of the benefits offered by the United States Department of Agriculture (USDA) loan program. With a USDA loan, eligible buyers can secure financing for their dream home with little to no down payment and competitive interest rates.

Bay City's real estate market offers a wide range of properties, from cozy single-family homes to spacious estates. Whether you're a first-time homebuyer or looking to upgrade, there is a home to suit every taste and budget. The city boasts a variety of architectural styles, including traditional ranch-style homes, modern contemporary designs, and charming historic properties.

In addition to affordable housing options, Bay City offers a host of amenities and attractions. Residents can enjoy outdoor recreational activities such as boating, fishing, and birdwatching in the nearby Matagorda Bay. The city also boasts excellent schools, a thriving downtown area with shopping and dining options, and a strong sense of community.

If you're looking for a place to call home in Texas, Bay City is worth considering. With its affordable housing options and the availability of USDA loan finance, owning a home in Bay City is within reach. Don't miss out on the opportunity to experience the charm and beauty of this wonderful city.

Newest Bay City Homes with USDA Loan Finance Available

3 Beds ⋅ 2 Baths ⋅ 34869359 MLS ⋅ ACTIVE Status

This newly completed Barnett plan centers around a large open kitchen, complete with an island and a walk-in pantry. An airy great room—ideal for relaxing and entertaining—is steps away, as is a dining area. The primary suite is secluded toward the back of the home, offering a walk-in closet and a private bath with a walk-in shower. Toward the front of the home, two bedrooms share a full hall bath. Home complete 04/30/2026. Century Communities is excited to introduce new construction homes for sale in Bay City, TX, at Valor Park. Valor Park offers a serene, welcoming environment near schools, parks, and shopping centers, Matagorda Bay and a short commute to employers like Tenaris, Matagorda Regional Medical Center, and South Texas Project Electric Generating Station.

1112 Independence Ave, Bay City

3 Beds ⋅ 2 Baths ⋅ 61567689 MLS ⋅ ACTIVE Status

This stunning Kendall home offers the perfect blend of comfort & functionality with 3 bedrooms, 2 baths a study, a 3 car garage and covered back patio. Nestled on a little over half an acre of land in Little River Ranch the Grayson layout features an inviting main living area, a modern kitchen with quartz countertops throughout, walk-in pantry, 42 inch upper cabinets in Discerning Beige with under cabinet lighting, a custom tile backsplash, brushed nickel lighting/hardware package and stainless steel gas appliances with a 30"cooktop. Laminate wood flooring flows throughout the main areas, with carpet in the bedrooms for added comfort. Backed by a 10-year structural warranty, every Kendall Home offers lasting peace of mind. Don’t miss out, schedule your showing today!

16 Cattle Dr, Bay City

5 Beds ⋅ 2 Baths ⋅ 85668773 MLS ⋅ ACTIVE Status

Splendid 5 bedroom home in a quiet neighborhood offering room for everything & everyone! Downstairs offers 2 bedrooms and features an open floor plan with multiple living areas that flow effortlessly for daily life & special gatherings. The kitchen includes stainless steel appliances, granite countertops, & tile backsplash. All appliances will stay! Architectural details such as an arched doorway, built in safes, & fireplace add character & warmth to this traditional style home. Upstairs layout includes 3 more bedrooms, a full bathroom with dual sinks, & a versatile bonus space ideal for a playroom, office, or game room. Backyard has ample outdoor space & is accented by a charming gazebo. There's retractable awnings off the patio & garage provide shade & extend the outdoor living options. There's a separate storage building plus a climate-controlled room at the back of the garage for seasonal items, tools, or hobby gear. Flexible spaces that adapt to your lifestyle!

2025 Tupper Lake Ln, Bay City

4 Beds ⋅ 3 Baths ⋅ 59718306 MLS ⋅ ACTIVE Status

Discover this hidden gem just minutes outside of Bay City limits, offering super low taxes and an unbeatable location close to Matagorda Bay and its beautiful beaches. Situated on over a 1/2-acre homesite in Tidehaven ISD, this stunning 2,492-square-foot one-story features 4 bedrooms, 2.5 baths, private study and a 3-car garage. The open-concept design showcases laminate wood flooring throughout the main living areas, carpet in the bedrooms, and a spacious family room with a floor-to-ceiling stone fireplace and cedar mantel. The gourmet island kitchen features quartz countertops, a custom tile backsplash, undermount sink, stainless steel gas appliances, and a 36-inch cooktop. Relax in the private primary suite with a soaking tub, separate shower, dual vanities and a walk-in closet. Enjoy the covered patio, USB outlets, and the peace of mind of a 10-year structural warranty.

27 Red Barn Rd, Bay City

4 Beds ⋅ 3 Baths ⋅ 87395897 MLS ⋅ ACTIVE Status

Discover this hidden gem just minutes outside of Bay City limits, offering super low taxes and an unbeatable location close to Matagorda Bay and its beautiful beaches. Situated on over a 1/2-acre homesite in Tidehaven ISD, this stunning 2,492-square-foot one-story features 4 bedrooms, 2.5 baths, private study and a 3-car garage. The open-concept design showcases laminate wood flooring throughout the main living areas, carpet in the bedrooms, and a spacious family room with a floor-to-ceiling stone fireplace and cedar mantel. The gourmet island kitchen features quartz countertops, a custom tile backsplash, undermount sink, stainless steel gas appliances, and a 36-inch cooktop. Relax in the private primary suite with a soaking tub, separate shower, dual vanities and a walk-in closet. Enjoy the covered patio, USB outlets, and the peace of mind of a 10-year structural warranty.

8 Cattle Dr, Bay City

19244359 MLS ⋅ ACTIVE Status

Ready to build! Don’t miss this opportunity to own a cleared homesite in the desirable Caney Creek Estates community. Build your dream home or weekend retreat and enjoy the relaxed coastal lifestyle. Community amenities include a private boat ramp, fishing access, pavilion, and recreational areas. Conveniently located near Caney Creek, the Intracoastal Waterway, and Sargent Beach, this property offers easy access to boating, fishing, kayaking, and outdoor recreation. Utilities are available in the area (buyer to verify availability and connection requirements). Low annual HOA dues make this an excellent investment or future homesite. Come enjoy all that the Texas Gulf Coast has to offer!

206 Creekside Dr, Bay City

3 Beds ⋅ 2 Baths ⋅ 87117781 MLS ⋅ ACTIVE Status

Beautiful and updated property to hit the market!!! This 1693 sq ft 3 bed/2 bath home is perfect for a starter home for first-time home buyers or income producing property. It also includes a large 900+ sq ft workshop building in the back equipped with a bathroom and an extra storage shed. Brand new ac installed in 2025. This home is located in a good neighborhood where you can take daily, friendly walks at any time of the day. This home also has two living areas, spacious rooms located upstairs, and a nice wide open covered back porch. Come take a tour! Call to make an appointment today or for more info. Hablo español.

2009 Sandlewood Dr, Bay City

14782383 MLS ⋅ ACTIVE Status

Discover 16+/- wooded acres located within the Bay City, TX city limits, offering a rare opportunity for privacy while being close to amenities. The property is accessed by a recorded access easement off of Thompson Dr., providing legal right a way passage to the property. This property already has a city sewer line and 14ft ditches on the east and south sides as well. With utilities available nearby and abundant space this property has endless potential and possibilities. Don't miss your chance to own one of the few larger acreage tracts available inside the city limits!

Bay City, Bay City

3 Beds ⋅ 2 Baths ⋅ 74559289 MLS ⋅ ACTIVE Status

Spacious, one-owner home that has been lovingly cared for and well maintained through the years. The open and inviting floor plan features generously sized rooms and an abundance of windows that fill the home with natural light. Situated on a quiet cul-de-sac, the property offers a large, fully fenced backyard shaded by mature trees. A substantial metal barn, built in 1989, provides excellent space for hobbies, a workshop, storage, or entertaining. Conveniently located near the junior high school, this home is ready for new owners to add their personal style and breathe new life into it. This well-established property offers wonderful potential and plenty of room to make it your own!

1420 Elm Ave, Bay City

3 Beds ⋅ 3 Baths ⋅ 93343891 MLS ⋅ ACTIVE Status

This recently updated 3 bed, 2.5 bath home sits on 2 lots that total almost half an acre. Inside, enjoy modern touches like vinyl plank flooring, recessed lighting, updated ceiling fans and light fixtures, granite countertops, and new cabinetry. The primary bedroom includes an en suite bath with double vanity sinks, walk-in shower, and two walk-in closets. The secondary bedrooms are spacious with large closets. Additional features include an enclosed sun room, extra space for a small office or storage, rock landscaping, mature oak trees, and the option for a privacy fence to be installed. Situated in a desirable location, this home is perfect for those seeking modern amenities and space. Move in ready!

4501 Areca Dr, Bay City

3 Beds ⋅ 2 Baths ⋅ 90929968 MLS ⋅ ACTIVE Status

Beautiful 7 acre property with a move in ready 3 bedroom, 2 bathroom double wide manufactured home. This open concept floor plan features a built entertainment center in the living room, large kitchen island, and crown molding. The primary bedroom has an en suite bathroom with double vanity sinks, a large soaking tub, separate shower, and walk in closet. Both secondary bedrooms also have ample walk in closet space. The home features many updates including vinyl plank flooring, updated ceiling fans and light fixtures, blinds, fresh paint, and metal roof and gutters installed in 2025. Enjoy sitting on the large front and back covered porches with plenty of space outside while still being close enough to enjoy the conveniences in Bay City!

882 County Road 404, Bay City

3 Beds ⋅ 2 Baths ⋅ 31723811 MLS ⋅ ACTIVE Status

Step onto this storybook corner lot, shaded by stately live oaks, and feel instantly at home. Inside, a soaring vaulted-ceiling living room flows seamlessly into an open, chef-friendly kitchen—ideal for gatherings large and small. Fresh interior paint, stylish new fixtures, upgraded doors, and thoughtful touches throughout mean you can move right in and start living. Rock-solid updates include, New flooring in and out, New doors, Fresh paint inside and out, New Stove, hot water heater, Remodeled master shower, Roof (2023),Brand-new privacy fence,Water heater new, maintained HVAC system(2016).Nestled in a friendly, established neighborhood outside the flood zone, this home delivers peace of mind alongside everyday convenience. Envision the next chapter at your new address!

2207 Gontier Dr, Bay City

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