1804 Bay St, Saginaw, MI, 48602
About This Home
Charming 3-bedroom, 1-bath, 1½-story home with approx. 1,300 sq ft and a detached 1-car garage. Situated on a 0.17-acre lot (61x120) in the City of Saginaw. Great opportunity for an owner-occupant or investor—bring your vision and make it your own! Conveniently located near shopping, dining, and major routes.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1874
Materials
- Foundation: Crawl Space
- Construction materials: Aluminum Siding,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Farmhouse
- Property subType: Single Family Residence
Interior
Bedroom
- Level: Entry
- Area: 120
- Dimensions: 12 X 10
Bedroom
- Level: Second
- Area: 110
- Dimensions: 11 X 10
Bedroom
- Level: Entry
- Area: 110
- Dimensions: 11 X 10
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Features
- Finished area above ground: 1,300
Heating
- Heating features: Forced Air,Natural Gas
Interior Area
- Total interior livable area: 1,300 sqft
Other
- Level: Entry
Property
Details
- Parcel number: 20137600000
- Special condition: Short Sale No,Standard
Features
- Levels: One and One Half
- Stories: 1
- Entry location: GroundLevelwSteps
- Pool features: None
Lot
- Lot size: 7,405 sqft
- Lot size dimensions: 61.5 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
- Cold Wave
- Inland Flooding
- 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 | $454 | $5,448 |
| Home Insurance * | $141 | $1,692 |
| Property Taxes | $100 | $1,200 |
| Electricity | $188 | $2,259 |
| Total | $883 | $10,596 |
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 |
|---|---|---|
| 2026-02-24 | Listed for sale | $95,600 |
| 2022-08-19 | Sold | $46,000 |
| 2022-08-03 | Pending sale | $54,900 |
| 2022-08-01 | Listed for sale | $54,900 |
| 2011-04-29 | Sold | $37,000 |
| 2004-10-15 | Sold | $37,000 |
| 2004-03-23 | Sold | $72,624 |
View on Zillow