The main streets of Bay City were often photographed in the late 1800s. Here, you can see the Washington Theater on the corner of Sixth and Washington. The Woods Opera House had been there previously but times had changed.
Farther north, where the old Kresge building now stands. That building was a very close match for the Shearer Brothers block located just east of it.
Then came the Rose building. on the corner of Fifth and Washington. That building has a steel frame that echos the structural elements of Chicago Skyscrapers being built at the same time.
Finally, we have the old Federal building looking very much like City Hall but gone from the scene for many years.
The Bay County Historical Museum has a library where layouts of all these buildings are given. That is one of the many items of interest there.