614 Madison St, Saginaw, MI, 48602
About This Home
This charming Cape Cod offers a cozy feel in the heart of the city. Two lots are included in the sale. 614 Madison Street features four large bedrooms with a possible fifth bedroom, 1.5 baths with new fixtures, an updated kitchen with a new refrigerator and peace of mind with a new water heater. The spacious great room has a fireplace and tons of windows, including a bay window, to let the natural light pour in. There is a bonus den with knotty pine wainscotting and wood flooring that could be a fifth bedroom. The kitchen is bright and cheerful with plenty of storage, stainless appliances and tile floor. The breakfast nook/dining room has French doors that open to a three-season room with panoramic views of the fenced-in back yard and its lush greenery. A trio of dormers upstairs provide cozy nooks in the bedrooms. This lovely home has ample storage space with lots of built-in shelving, privacy with a vinyl fenced in yard and a detached, two-car garage. Across the alley is a lush, vacant lot perfect for gardening or relaxing. A very short distance to Saginaw’s Old Town, Covenant hospital and upcoming riverfront developments, you won’t miss any of Saginaw’s many community events!
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1935
Materials
- Foundation: Basement
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range/Oven,Refrigerator
- Laundry features: Second Floor Laundry,Laundry Room
Basement
- Has basement: Yes
- Basement: Full,Crawl Space
Bathroom1
- Level: Second
- Area: 40
Bedroom1
- Level: Second
- Area: 234
Bedroom2
- Level: Second
- Area: 154
Bedroom3
- Level: Second
- Area: 162
Bedroom4
- Level: Entry
- Area: 99
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Area: 154
Features
- Number of fireplaces: 1
- Fireplace features: Living Room
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,794
Heating
- Heating features: Forced Air,Natural Gas
Interior Area
- Total structure area: 2,746
- Total interior livable area: 1,794 sqft
Kitchen
- Area: 99
Living Room
- Area: 308
Office
- Level: Entry
- Area: 96
Property
Details
- Parcel number: 15 0026 00000
- Special condition: Private
Features
- Levels: Two
- Stories: 2
- Patio & porch: Porch
- Fencing: Fenced
- Frontage type: Road
- Frontage length: 60
Lot
- Lot size: 6,098 sqft
- Lot size dimensions: 60 x 100
Parking
- Total spaces: 2
- Parking features: Detached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Winter Weather
- Cold Wave
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Saginaw County and Michigan
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $707 | $8,484 |
| Home Insurance * | $219 | $2,628 |
| Property Taxes | $156 | $1,872 |
| Electricity | $195 | $2,348 |
| Total | $1,277 | $15,324 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-09 | Price change | $134,900 |
| 2026-07-09 | Listed for sale | $139,900 |
View on Zillow