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2609 S Outer Dr, Saginaw, MI, 48601

2beds
1baths
1,230sqft
$120,000
$98price/sqft
$1,286/moest. monthly cost
$51,440/yrincome needed

About This Home

This 2br or possible 3br home is back on the market! The Basement has been completely redone and water proofed. The office could be used as a 3rd bedroom. There is lovely hardwood flooring under the carpet. Easy to show!

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1954

Materials

  • Foundation: Basement
  • Construction materials: Aluminum Siding,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Range/Oven,Gas Water Heater
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Block,Full,Sump Pump

Bathroom1

  • Features: Linoleum
  • Level: First
  • Area: 28

Bedroom1

  • Features: Carpet
  • Level: First
  • Area: 144

Bedroom2

  • Features: Carpet
  • Level: First
  • Area: 88

Bedrooms & Bathrooms

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

Features

  • Sump Pump,Eat-in Kitchen
  • Window features: Window Treatments
  • Flooring: Carpet,Linoleum
  • Finished area below ground: 0
  • Finished area above ground: 1,230

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 2,460
  • Total interior livable area: 1,230 sqft

Kitchen

  • Features: Carpet
  • Level: First
  • Area: 162

Living Room

  • Features: Carpet
  • Level: First
  • Area: 216

Office

  • Level: First
  • Area: 81

Property

Details

  • Parcel number: 10125321550000
  • Zoning: Home is easy to show. Basement repaired No9vember 2025. Home is easy to show.
  • Zoning description: Residential
  • Special condition: Private

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Street Lights
  • Frontage type: Road
  • Frontage length: 50

Lot

  • Lot size: 4,356 sqft
  • Lot size dimensions: 40 x 117

Parking

  • Total spaces: 2
  • Parking features: Garage,Detached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
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 $606$7,272
Home Insurance *$358$4,296
Property Taxes $134$1,608
Electricity $188$2,259
Total$1,286$15,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,091/yr
40% on housing$38,580/yr
45% on housing$34,293/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

$98This listing

vs Other Active Listings

Avg $/sqft

ZIP 48601$37
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
2026-03-24Price change$115,000
2026-03-04Listed for sale$125,000
2024-09-24Listing removed$70,000
2024-08-24Listed for sale$70,000

For Sale by Agent

AgentGeri Doxie
BrokerageKeller Williams Preferred

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