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213 E Oak St, Saint Charles, MI, 48655

2beds
1baths
700sqft
$33,900
$48price/sqft
$416/moest. monthly cost
$16,640/yrincome needed

About This Home

Located just across the road from the Bad River in St. Charles, this property offers a peaceful setting with a fenced-in private yard. The attached mobile home features two bedrooms, one bathroom, and an attached garage. While the home will need renovation, it presents a great opportunity to create a comfortable retreat, primary residence, or income-generating rental property. Included with the home are a washer, dryer, stove, refrigerator, and a new, uninstalled furnace. All measurements are estimates. B.A.T.V.A.I.

Getting Around

51
WalkingSomewhat Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

7/10

Construction

Condition

  • Year built: 1966

Materials

  • Foundation: Block,Crawl Space
  • Construction materials: Metal Siding

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Manufacturedwith Land
  • Property subType: Manufactured Home

Interior

Bedroom

  • Level: Entry
  • Area: 80
  • Dimensions: 8 X 10

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 700

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total interior livable area: 700 sqft

Kitchen

  • Level: Entry
  • Area: 60
  • Dimensions: 10 X 6

Other

  • Level: Entry
  • Area: 48
  • Dimensions: 6 X 8

Primary Bedroom

  • Level: Entry
  • Area: 90
  • Dimensions: 9 X 10

Property

Details

  • Parcel number: 24103050374120
  • Special condition: Short Sale No,Standard

Features

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

Lot

  • Lot size: 7,405 sqft
  • Lot size dimensions: 54.72 x 132

Parking

  • Parking features: One Car Garage,Attached
  • Has garage: Yes

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 $171$2,052
Home Insurance *$20$240
Property Taxes $37$444
Electricity $188$2,259
Total$416$4,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$14,262/yr
40% on housing$12,480/yr
45% on housing$11,093/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

$48This listing

vs Other Active Listings

Avg $/sqft

ZIP 48655$113
Saginaw County$85

vs Homes Sold Last Month

Median $/sqft

ZIP 48655$159
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
2026-01-01Price change$34,900
2025-08-05Price change$35,000
2025-07-23Price change$41,500
2025-07-17Price change$42,500
2025-06-24Price change$43,000
2025-06-18Price change$44,000
2025-06-06Listed for sale$45,000

For Sale by Agent

AgentRachel Rosencrants
BrokerageBrookstone, Realtors LLC

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