See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

1003 Mackinaw St, Saginaw, MI, 48602

2beds
1baths
957sqft
$79,900
$83price/sqft
$806/moest. monthly cost
$32,240/yrincome needed

About This Home

Welcome home to this well-maintained 2-bedroom, 1-bath residence offering just under 1,000 square feet of comfortable living space. Step inside and you'll immediately appreciate the beautiful natural hardwood floors that add warmth and timeless appeal throughout much of the home. The inviting layout provides an efficient use of space, making it perfect for first-time buyers, downsizers, or anyone looking for easy, affordable living. Outside, you'll find a detached garage offering additional storage and parking convenience, along with a manageable yard that's easy to maintain. The roof is less than 5 years old. As an added bonus, all appliances stay with the home, making your move-in process simple and stress-free.

Getting Around

76
WalkingVery Walkable
0
TransitVery Limited Transit
63
BikeBikeable

Schools

2/10
Herig SchoolGrades PK-50.8 mi
2/10
Thompson Middle SchoolGrades 6-81.2 mi

Construction

Condition

  • Year built: 1884

Materials

  • Foundation: Basement,Brick
  • Construction materials: Vinyl Siding,Vinyl Trim

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Range/Oven,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Brick

Bathroom1

  • Features: Tile
  • Level: First

Bedroom1

  • Features: Wood
  • Level: First
  • Area: 108

Bedroom2

  • Features: Wood
  • Level: First
  • Area: 81

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Wood
  • Level: First
  • Area: 132

Features

  • Flooring: Hardwood,Wood,Linoleum
  • Finished area below ground: 0
  • Finished area above ground: 957

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 1,914
  • Total interior livable area: 957 sqft

Kitchen

  • Features: Linoleum
  • Level: First
  • Area: 90

Living Room

  • Features: Wood
  • Level: First
  • Area: 169

Property

Details

  • Parcel number: 17 0353 00000

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Garden
  • Frontage type: Road
  • Frontage length: 124

Lot

  • Lot size: 3,920 sqft
  • Lot size dimensions: 52 x 72

Parking

  • Total spaces: 1
  • Parking features: Driveway,Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Cold Wave
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
Strong Wind
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 $404$4,848
Home Insurance *$125$1,500
Property Taxes $89$1,068
Electricity $188$2,259
Total$806$9,672
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$27,634/yr
40% on housing$24,180/yr
45% on housing$21,493/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

$83This listing

vs Other Active Listings

Avg $/sqft

ZIP 48602$52
Saginaw County$85

vs Homes Sold Last Month

Median $/sqft

ZIP 48602$71
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
2026-08-13Pending sale$74,900
2026-08-10Price change$74,900
2026-07-02Listed for sale$79,900
2021-02-10Sold$19,900
2021-01-22Pending sale$19,900
2021-01-15Listed for sale$19,900
2012-07-27Sold$7,500
2010-05-14Sold$54,504
2005-07-20Sold$30,500
2005-03-03Sold$19,015

For Sale by Agent

AgentBrandon Hausbeck
BrokerageReal Estate One Great Lakes Bay

Similar Homes