Bay City Homes with USDA Loan Finance Available

Bay City Homes with USDA Loan Finance Available

Welcome to Bay City, located in Matagorda County, Texas, a charming city known for its family-friendly atmosphere and top-rated school district. The Bay City school district is committed to providing a high-quality education, with a focus on academic excellence and a supportive learning environment for students of all ages.

For those looking to settle down in Bay City, you'll be pleased to know that there are plenty of homes available with USDA loan finance options. This means that qualifying homebuyers can take advantage of this government-backed loan program to purchase their dream home in this beautiful community.

Whether you're a first-time homebuyer or looking to upgrade to a larger space for your growing family, Bay City offers a range of housing options to suit your needs. From cozy single-family homes to spacious properties with ample outdoor space, there's something for everyone in this vibrant city.

Don't miss the opportunity to become a part of the Bay City community and enjoy all that this wonderful area has to offer. Contact us today to learn more about available homes with USDA loan finance options and start your journey to homeownership in Bay City, Texas.

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

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

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

3 Beds ⋅ 2 Baths ⋅ 16816286 MLS ⋅ ACTIVE Status

This updated brick home is settled in a highly sought-after neighborhood on a tree-lined street. It displays modern fixtures & vinyl plank flooring throughout adding to its sophisticated charm. The kitchen has stainless-steel appliances including double ovens & a cook-top that overlooks the living room. A 2nd living room, featuring solid brick flooring & plenty of natural light, can be closed off for added privacy when needed. The spacious primary bedroom includes an entire wall of built-ins & closets, along with an attached bathroom featuring a beautifully tiled shower. This en-suite is complete with a large utility room for convenience. The 2 additional bedrooms are generously sized, making them ideal for family or guests. The serene backyard is beautifully landscaped, highlighted by a stunning mature oak tree. The detached garage includes an extended area for extra storage. For your sense of peace, the roof (2019), inside ac (2020) & outside ac (2021) were all recently replaced.

2404 Marguerite St, Bay City

3 Beds ⋅ 2 Baths ⋅ 31903073 MLS ⋅ ACTIVE Status

Welcome to 4804 Stingray Drive, a well maintained 3 bed, 2 bath, 2 car garage home located in Bay Ridge Subdivision. Featuring vinyl plank wood flooring throughout, plush carpet in the bedrooms, and a spacious living room with crown molding and backyard views. The kitchen includes granite countertops, subway tile backsplash, gas stove and ample cabinet space. The primary bedroom features a tray ceiling, en suite bathroom with double sinks, vanity area, and two walk in closets. With a split floorplan, both secondary bedrooms offer generous closet space. Enjoy the large covered porch, rock garden area, and raised garded beds in the fenced in backyard. Exterior AC unit replaced in 2023. Conveniently located near shopping, dining, and entertainment, this home is move-in ready!

4804 Stingray Dr, Bay City

3 Beds ⋅ 2 Baths ⋅ 7267091 MLS ⋅ ACTIVE Status

Welcome home to 1916 Baywood Drive, located in the highly desirable and established Baywood neighborhood. Beautifully renovated in 2026, this pristine residence features 3 bedrooms, a versatile office/flex space, 2 baths, and a bright, air-conditioned sunroom with dual ceiling fans. The interior boasts seamless tile flooring throughout with absolutely no carpet—alongside fresh paint, updated lighting, and new ceiling fans. The modernized kitchen includes brand-new appliances, and the bathrooms have been tastefully updated. Major mechanical upgrades provide peace of mind, featuring a 2025 water heater and a 2023 HVAC system. Outside, the expansive lot showcases a paver patio, automatic sprinkler system, fresh exterior paint, a new mailbox, and a large shed equipped with power and air conditioning. The two-car garage also provides excellent storage with built-in cabinets. Conveniently located near HEB, schools, & shopping, this exceptional property is just 30 minutes from Matagorda Bay.

1916 Baywood Dr, Bay City

2 Beds ⋅ 2 Baths ⋅ 61900551 MLS ⋅ ACTIVE Status

Developer’s dream on 1 acre of ready-to-develop land in Bay City! Prime in-town location next to a city park with utilities already in place, including gas, water, sewer, and a nearby fire hydrant. The property offers two concrete entrances, conveniently located off Avenue F on Helen and Avenue E, providing excellent access and flexibility for future use. Ideal opportunity for multifamily, commercial, or mixed-use development. Currently improved with a 2013 shop-home featuring 2 bedrooms and 1 bath, offering potential rental income, office space, or temporary housing during development. Currently rental income on home-shop. If buyer does not want that can be excluded from price & sale. Endless possibilities in a growing area of town with strong visibility, access, and infrastructure already available. A rare opportunity for investors, builders, or developers!

3205 Ave E 1, Bay City

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