The Bay City Downtown Historic District consists of 91 structures: 90 of which are commercial, and one government building.
Sixty-seven of the buildings contribute to the historic character of the district.
The district occupies about 16-1/2 square blocks in the northwest portion of Bay City's downtown.
The structures in the district date from the Civil War through the early 1930s, and include a variety of styles, from Italianate Commercial Palaces to Romanesque commercial blocks, early 1900s Colonial Revival buildings and Modern designs.

Some of the most significant structures in the district include:
Jennison Hardware Company, 901 North Water Street.
A complex of three masonry buildings, including a five-story retail/warehouse facility designed in 1924 by Albert Kahn, a two-story office-block constructed ed in 1913, and a two-story trapezoidal-shaped warehouse constructed in 1921.

Denison Block/Alert Pipe & Supply, 1001 North Water Street.
A two-story brick commercial block erected in 1882–83 by E.B. Denison.

Phoenix Block, 717–723 Washington Avenue.
A four-story Romanesque Revival building constructed in 1886–87.

Ueberroth Block, 816 Washington Avenue.
A three-story masonry commercial block erected by Chris H. Ueberroth, a dealer in crockery, glassware, and china, in about 1890.

Scheurmann Block, 818 Washington Avenue.
A three-story masonry Romanesque Revival commercial building designed in 1891 by Pratt & Koeppe and constructed for Richard Scheurmann.

C.E. Rosenbury & Sons, 822 Washington Avenue.
A four-and-one-half-story Romanesque Revival commercial block designed by Pratt & Koeppe
Davidson Building, 916 Washington Avenue.
A three-story masonry commercial block built c. 1915.

Herman Hiss & Company, 905 Washington Avenue.
A two-story masonry commercial building with a  Modernistic design with zig-zag ornamentation.

United States Post Office, Court House and Custom House, 1000 Washington Avenue.
A monumental rectangular three-story masonry building constructed in 1931–32.

The Bay City Times Building, 311 Fifth Street.
A two-story masonry commercial structure erected in 1907–08 and designed by Albert Kahn.

First Shearer Block/McCormick Block, 101–107 Center Avenue.
This three-story building, built in 1866, was the first three-story business block constructed in Bay City.

Simmons Jewelers, 208 Center Avenue.
A "Commercial Palace" structure erected in the late 1870s or early 1880s.

Griswold/Bijou Block, 210 Center Avenue.
A three-story masonry commercial building constructed in 1888.

Shearer Block, 311–319 Center Avenue.
A four-story masonry commercial block.

Bromfield & Colvin Grain Elevator, 1022 Adams Street.

Bromfield & Colvin Grain Warehouse, 1018 Adams Street.
A four-story masonry warehouse erected in the later 1880s.
The Bay City Downtown Historic District consists of 91 structures: 90 of which are commercial, and one government building. Sixty-seven of the buildings contribute to the historic character of the district. The district occupies about 16-1/2 square blocks in the northwest portion of Bay City's downtown. The structures in the district date from the Civil War through the early 1930s, and include a variety of styles, from Italianate Commercial Palaces to Romanesque commercial blocks, early 1900s Colonial Revival buildings and Modern designs.
Some of the most significant structures in the district include:
Jennison Hardware Company, 901 North Water Street. A complex of three masonry buildings, including a five-story retail/warehouse facility designed in 1924 by Albert Kahn, a two-story office-block constructed ed in 1913, and a two-story trapezoidal-shaped warehouse constructed in 1921.
Denison Block/Alert Pipe & Supply, 1001 North Water Street. A two-story brick commercial block erected in 1882–83 by E.B. Denison.
Phoenix Block, 717–723 Washington Avenue. A four-story Romanesque Revival building constructed in 1886–87.
Ueberroth Block, 816 Washington Avenue. A three-story masonry commercial block erected by Chris H. Ueberroth, a dealer in crockery, glassware, and china, in about 1890.
Scheurmann Block, 818 Washington Avenue. A three-story masonry Romanesque Revival commercial building designed in 1891 by Pratt & Koeppe and constructed for Richard Scheurmann.
C.E. Rosenbury & Sons, 822 Washington Avenue. A four-and-one-half-story Romanesque Revival commercial block designed by Pratt & Koeppe
Davidson Building, 916 Washington Avenue. A three-story masonry commercial block built c. 1915.
Herman Hiss & Company, 905 Washington Avenue. A two-story masonry commercial building with a  Modernistic design with zig-zag ornamentation.
United States Post Office, Court House and Custom House, 1000 Washington Avenue. A monumental rectangular three-story masonry building constructed in 1931–32.
The Bay City Times Building, 311 Fifth Street. A two-story masonry commercial structure erected in 1907–08 and designed by Albert Kahn.
First Shearer Block/McCormick Block, 101–107 Center Avenue. This three-story building, built in 1866, was the first three-story business block constructed in Bay City.
Simmons Jewelers, 208 Center Avenue. A "Commercial Palace" structure erected in the late 1870s or early 1880s.
Griswold/Bijou Block, 210 Center Avenue. A three-story masonry commercial building constructed in 1888.
Shearer Block, 311–319 Center Avenue. A four-story masonry commercial block.
Bromfield & Colvin Grain Elevator, 1022 Adams Street.
Bromfield & Colvin Grain Warehouse, 1018 Adams Street. A four-story masonry warehouse erected in the later 1880s.
Bay City Downtown Historic District