1943 Ottawa St, Saginaw, MI, 48602
About This Home
Turnkey investment opportunity with built-in income! This 3-bedroom, 2-bath home is currently tenant-occupied with a lease in place through February 2027, offering immediate and reliable cash flow. 1943 Ottawa features fresh paint throughout a fully finished basement with additional office/room, providing additional living space that adds to its rental appeal. Major updates include a newer roof on both the home and garage, plus a newer hot water heater for added peace of mind. The detached garage is drywalled, and the fenced backyard offers functional outdoor space tenants appreciate. A well-maintained, income-producing property with long-term stability—perfect for investors looking to expand their portfolio with a solid, turnkey rental.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1946
Materials
- Foundation: Basement
- Construction materials: Vinyl Trim
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Water Heater
- Laundry features: First Floor Laundry,Main Level
Basement
- Has basement: Yes
- Basement: Finished
Bathroom1
- Features: Wood
- Level: Main
- Area: 35
Bathroom2
- Features: Tile
- Level: Basement
- Area: 80
Bedroom1
- Features: Carpet
- Level: Main
- Area: 154
Bedroom2
- Features: Wood
- Level: Main
- Area: 90
Bedroom3
- Features: Carpet
- Level: Main
- Area: 180
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 3
Family Room
- Features: Vinyl
- Level: Basement
- Area: 196
Features
- Flooring: Carpet,Wood,Vinyl
- Finished area below ground: 900
- Finished area above ground: 936
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Ceiling Fan(s)
Interior Area
- Total structure area: 1,872
- Total interior livable area: 1,836 sqft
Kitchen
- Level: Main
- Area: 128
Living Room
- Features: Carpet
- Level: Main
- Area: 180
Office
- Level: Basement
- Area: 168
Property
Details
- Parcel number: 18 0222 00000
- Zoning description: Residential
- Special condition: Private
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Patio
- Exterior features: Sidewalks,Street Lights,Garden
- Fencing: Fenced
- Frontage type: Road
- Frontage length: 45
Lot
- Lot size: 5,227 sqft
- Features: Subdivision,Sidewalks,City Lot
- Lot size dimensions: 45 x 120
Parking
- Total spaces: 2
- Parking features: 2 Spaces,Garage,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
- Winter Weather
- Cold Wave
- Strong Wind
- 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 | $530 | $6,360 |
| Home Insurance * | $164 | $1,968 |
| Property Taxes | $117 | $1,404 |
| Electricity | $200 | $2,403 |
| Total | $1,011 | $12,132 |
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 |
|---|---|---|
| 2026-05-09 | Price change | $105,000 |
| 2026-02-27 | Listed for sale | $110,000 |
| 2017-03-23 | Sold | $11,055 |
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