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4115 Hess Ave, Saginaw, MI, 48601

2beds
1baths
826sqft
$14,900
$18price/sqft
$323/moest. monthly cost
$12,920/yrincome needed

About This Home

Opportunity awaits with this 2-bedroom, 1-bath home offering plenty of potential for the right buyer. Inside you'll find a spacious living room, a full kitchen, and a full basement, providing ample storage and additional space. The home is in need of renovation and the basement foundation walls have structural issues that will require repair. Whether you're an investor, flipper, or buyer looking for your next project, this property offers the chance to restore and customize it to your vision. Being sold as-is.

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

5/10
Jessie Loomis SchoolGrades PK-50.6 mi

Construction

Condition

  • Year built: 1955

Materials

  • Foundation: Basement
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom1

  • Level: First

Bedroom1

  • Level: First
  • Area: 0

Bedroom2

  • Level: First
  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 826

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 1,652
  • Total interior livable area: 826 sqft

Kitchen

  • Area: 0

Property

Details

  • Parcel number: 21 3064 00000
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Frontage type: Road
  • Frontage length: 39

Lot

  • Lot size: 4,356 sqft
  • Lot size dimensions: 39 x 115

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
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Hail
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 $75$900
Home Insurance *$44$528
Property Taxes $16$192
Electricity $188$2,259
Total$323$3,876
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$11,074/yr
40% on housing$9,690/yr
45% on housing$8,613/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

$18This listing

vs Other Active Listings

Avg $/sqft

ZIP 48601$38
Saginaw County$85

vs Homes Sold Last Month

Median $/sqft

ZIP 48601$47
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
2026-07-21Price change$14,900
2026-06-26Listed for sale$16,900
2003-06-27Sold$15,000
2002-06-11Sold$15,000

For Sale by Agent

AgentCoty Lewis
BrokerageNextHome Greater Tri-cities

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