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3285 Kochville Rd, Saginaw, MI, 48604

6beds
3baths
3,260sqft
$255,000
$78price/sqft
$2,171/moest. monthly cost
$86,840/yrincome needed

About This Home

What a great investment opportunity. This beautiful home is currently leased through July of 2027! Well maintained to minimize maintenance concerns, you'll be collecting a monthly rent of $3300. Located near SVSU in Kochville Twp allows the tenants a peaceful environment in a low traffic area. Home is in a class A/B condition, with no apparent current issues or updates needed. Come take a look at this great investment that already has your well-vetted tenant for the next 14 months.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
54
BikeBikeable

Schools

6/10
Zilwaukee K-8 SchoolGrades PK-63.0 mi

Construction

Condition

  • Year built: 1893

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Tankless Water Heater

Basement

  • Has basement: Yes

Bathroom1

  • Level: First
  • Area: 81

Bathroom2

  • Level: Second
  • Area: 70

Bedroom

  • Level: First
  • Area: 132

Bedroom1

  • Level: Basement
  • Area: 180

Bedroom2

  • Level: Basement
  • Area: 154

Bedroom3

  • Level: Second
  • Area: 108

Bedroom4

  • Level: First
  • Area: 132

Bedroom5

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Basement,Electric
  • Fireplace: Yes
  • Finished area below ground: 1,630
  • Finished area above ground: 1,630

Heating

  • Heating features: Floor Furnace,Oil

Interior Area

  • Total structure area: 3,260
  • Total interior livable area: 3,260 sqft

Kitchen

  • Level: First
  • Area: 81

Property

Details

  • Parcel number: 18134341011000
  • Special condition: Private

Features

  • Levels: Two
  • Stories: 2
  • Frontage type: Road
  • Frontage length: 210

Lot

  • Lot size: 1.85 Acres
  • Lot size dimensions: 210 x 382

Parking

  • Total spaces: 2.5
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

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

  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Inland Flooding
Tornado
Hail
Ice Storm

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 $1,289$15,468
Home Insurance *$243$2,916
Property Taxes $284$3,408
Electricity $355$4,267
Total$2,171$26,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,434/yr
40% on housing$65,130/yr
45% on housing$57,893/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

$78This listing

vs Other Active Listings

Avg $/sqft

ZIP 48604$106
Saginaw County$85

vs Homes Sold Last Month

Median $/sqft

ZIP 48604$118
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)

Price History

DateEventPrice
2026-08-12Price change$245,000
2026-05-21Listed for sale$255,000
2023-03-03Listing removed--
2023-02-28Listed for rent$3,000
2023-02-17Listing removed--
2023-02-06Listed for rent$3,150
2021-03-24Listing removed--
2019-08-13Sold$159,000
2019-04-19Listing removed$2,600
2019-03-18Listed for rent$2,600
2010-11-23Sold$50,000
2010-07-03Listed for sale$83,900

For Sale by Agent

AgentMonique Gilbert
BrokerageKeller Williams Preferred

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