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1906 Allegan St, Saginaw, MI, 48602

2beds
1baths
890sqft
$119,000
$134price/sqft
$1,107/moest. monthly cost
$44,280/yrincome needed

About This Home

Charming and well-maintained 2-bedroom, 1-bath home offering comfort, character, and functionality! This inviting property features a spacious enclosed front porch filled with natural light—perfect for relaxing year-round. Inside, you’ll find a cozy layout with great flow and plenty of potential to make it your own. The home includes a full basement providing excellent storage or additional living space possibilities. Outside, enjoy a private driveway leading to a detached 1-car garage for convenient parking and extra storage. Situated on a generous lot in a quiet neighborhood close to schools, shopping, and everyday amenities. A fantastic opportunity for first-time buyers, downsizers, or investors!

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

5/10
Chester F. Miller SchoolGrades PK-60.4 mi
4/10
Arthur Hill High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1926

Materials

  • Foundation: Basement,Block
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom

  • Level: Entry
  • Area: 144
  • Dimensions: 12 X 12

Bedroom

  • Level: Entry
  • Area: 120
  • Dimensions: 12 X 10

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 890

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total interior livable area: 890 sqft

Other

  • Level: Entry

Property

Details

  • Parcel number: 18019600000
  • Special condition: Short Sale No,Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: GroundLevel
  • Pool features: None

Lot

  • Lot size: 5,227 sqft
  • Lot size dimensions: 45 x 120

Parking

  • Total spaces: 1
  • Parking features: One Car Garage,Detached
  • Has garage: Yes
  • Attached garage 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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
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 $601$7,212
Home Insurance *$186$2,232
Property Taxes $132$1,584
Electricity $188$2,259
Total$1,107$13,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,954/yr
40% on housing$33,210/yr
45% on housing$29,520/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

$134This 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)

Price History

DateEventPrice
2026-02-16Listed for sale$125,000
2022-07-28Sold$39,000
2022-07-21Pending sale$49,900
2022-07-12Price change$49,900
2022-07-11Listed for sale$54,900
2022-07-08Pending sale$54,900
2022-06-15Listed for sale$54,900
2022-04-29Listing removed--
2022-03-18Price change$49,900
2022-03-11Listed for sale$54,900
2012-02-17Sold$10,600
2011-04-20Sold$57,008
2003-02-07Sold$68,370

For Sale by Agent

AgentAmy L Loomis
BrokerageFive Star Real Estate Davison

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