1200 Martha St, Saginaw, MI, 48601
About This Home
Unique Live/Work Commercial Opportunity: This is a rare opportunity for an entrepreneur seeking the convenience of operating a business while living on-site. Zoned commercial, this versatile property offers outstanding potential for a wide range of business ventures. The main level features a fully operational kitchen ready for continued food service use, with all kitchen equipment, coolers, and related fixtures included in the sale — allowing you to step in and start operating while avoiding costly startup expenses. A spacious back room provides additional flexibility and could easily be converted into a dining area or expanded customer seating. Upstairs, you’ll find three comfortable bedrooms, a full bathroom, laundry room, and a large living area to relax and unwind — ideal for owner-occupied living quarters, staff housing, or even an additional rental opportunity. In addition, the property includes two large extra lots with ample parking and room for future expansion, outdoor seating, additional structures, drive-thru service, or further development. Whether you're launching a new venture or expanding an existing one, this flexible commercial property offers the rare combination of workspace, living space, and room to grow — all in one location. Call listing agent today for personal showing!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1894
Materials
- Construction materials: Brick,Vinyl Siding,Vinyl Trim
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range/Oven,Refrigerator
Basement
- Has basement: Yes
- Basement: Partial
Bathroom1
- Level: Second
Bedroom1
- Level: Upper
- Area: 100
Bedroom2
- Level: Upper
- Area: 100
Bedroom3
- Level: Upper
- Area: 80
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Features
- High Ceilings,Eat-in Kitchen
- Finished area below ground: 440
- Finished area above ground: 2,496
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 2,936
- Total interior livable area: 2,936 sqft
Kitchen
- Level: Main
- Area: 880
Property
Details
- Parcel number: 09 0421 00000
- Zoning description: Commercial,Mixed Use,Residential
- Special condition: Private
Features
- Levels: Two
- Stories: 2
- Patio & porch: Porch
- Exterior features: Sidewalks,Street Lights
- Frontage type: Road
- Frontage length: 190
Lot
- Lot size: 10,454 sqft
- Features: Large Lot - 65+ Ft.,City Lot,Corner Lot,Irregular Lot,Sidewalks
- Lot size dimensions: irreg- 190 x lots 50 deep
Parking
- Total spaces: 3
- Parking features: 3 or More Spaces,On Street,Driveway
- Has uncovered spaces: 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
- 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 | $834 | $10,008 |
| Home Insurance * | $492 | $5,904 |
| Property Taxes | $184 | $2,208 |
| Electricity | $320 | $3,842 |
| Total | $1,830 | $21,960 |
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 |
|---|---|---|
| 2026-02-14 | Listed for sale | $175,000 |
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