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710 Phelon St, Saginaw, MI, 48601

1beds
1baths
592sqft
$28,000
$47price/sqft
$443/moest. monthly cost
$17,720/yrincome needed

About This Home

Charming and full of potential, this 1-bedroom, 1-bath ranch is the perfect opportunity for a first-time homebuyer or investor! Previously used as a rental, this home offers a solid foundation with just a few cosmetic updates needed to truly make it shine. The kitchen features stylish shaker cabinets, a stainless steel gas range, and plenty of storage. Enjoy your morning coffee on the inviting covered front porch or unwind on the back deck. Nestled in a quiet neighborhood, you'll appreciate the convenient location close to parks and schools. With a little refresh, this home will be glowing. Don't miss your chance to build equity and make it your own! BATVAI.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
56
BikeBikeable

Schools

5/10
Jessie Loomis SchoolGrades PK-51.4 mi

Construction

Condition

  • Year built: 1884

Materials

  • Construction materials: Aluminum Siding,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: Main
  • Area: 48

Bedroom1

  • Level: Main
  • Area: 120

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 592

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 592
  • Total interior livable area: 592 sqft

Kitchen

  • Level: Main
  • Area: 144

Living Room

  • Level: Main
  • Area: 100

Property

Details

  • Parcel number: 08073600000
  • Special condition: Private

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Frontage type: Road
  • Frontage length: 40

Lot

  • Lot size: 2,178 sqft
  • Lot size dimensions: 40 x 50

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Hail
Tornado

FEMA Declared Disasters in Saginaw County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $141$1,692
Home Insurance *$83$996
Property Taxes $31$372
Electricity $188$2,259
Total$443$5,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$15,188/yr
40% on housing$13,290/yr
45% on housing$11,813/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.8%
12.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$47This listing

vs Other Active Listings

Avg $/sqft

ZIP 48601$38
Saginaw County$85

vs Homes Sold Last Month

Median $/sqft

ZIP 48601$47
Saginaw County$108

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-14Pending sale$28,000
2026-07-21Price change$28,000
2026-06-26Listed for sale$30,000
2025-06-30Sold$31,700
2025-04-08Sold$31,700
2025-03-28Pending sale$31,700
2025-03-11Listed for sale$31,700
2004-08-25Sold$2,033

For Sale by Agent

AgentNicholle Houghtaling
BrokerageMid-Mitten Realty

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