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5590 Pine Gate Dr, Saginaw, MI, 48603

4beds
4baths
5,788sqft
$1,000,750
$173price/sqft
$7,407/moest. monthly cost
$296,280/yrincome needed

About This Home

Welcome to this stunning custom-built all-brick home offering over 5,700 square feet of exceptional living space in Saginaw Township's desirable Pine Gate subdivision. Built in 2002 and situated on a spacious lot, this home features 3-4 bedrooms, 3 full bathrooms, and 1 half bath. Rich oak flooring flows throughout, while the impressive living room showcases soaring ceilings, transom windows, a beautiful fireplace, and a loft overlooking the main living area. The gourmet layout includes a formal dining room, a private office with custom mahogany built-in shelving, a dedicated sewing room, and multiple bonus rooms offering endless flexibility. Step outside to a beautiful tiled patio complete with a built-in grill, perfect for entertaining. Additional highlights include a 3-car attached garage and a new roof installed in 2024. This one-of-a-kind home combines timeless craftsmanship, generous living spaces, and an unbeatable location.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

--
6/10
White Pine Middle SchoolGrades 6-82.7 mi
6/10
Heritage High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Basement
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Bar Fridge,Dishwasher,Dryer,Microwave,Range/Oven,Refrigerator,Washer,Gas Water Heater
  • Laundry features: First Floor Laundry

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Crawl Space

Bathroom1

  • Features: Tile
  • Level: First

Bathroom2

  • Features: Tile
  • Level: First

Bathroom3

  • Features: Tile
  • Level: First

Bedroom1

  • Features: Carpet
  • Level: First
  • Area: 168

Bedroom2

  • Features: Carpet
  • Level: First
  • Area: 180

Bedroom3

  • Features: Carpet
  • Level: First
  • Area: 240

Bedroom4

  • Features: Carpet
  • Level: Second
  • Area: 120

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: Wood
  • Level: First
  • Area: 290

Features

  • Sump Pump,Walk-In Closet(s),Bar,Eat-in Kitchen
  • Window features: Window Treatments,Skylight(s)
  • Flooring: Ceramic Tile,Hardwood,Carpet,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Natural Fireplace
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 5,788

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 7,561
  • Total interior livable area: 5,788 sqft

Kitchen

  • Features: Wood
  • Level: First
  • Area: 315

Living Room

  • Features: Wood
  • Level: First
  • Area: 551

Office

  • Level: First
  • Area: 304

Property

Details

  • Parcel number: 23124083001001
  • Zoning description: Residential
  • Special condition: Private

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Patio,Porch
  • Exterior features: Lawn Sprinkler,Street Lights
  • Frontage type: Road
  • Frontage length: 151

Lot

  • Lot size: 0.77 Acres
  • Features: Corner Lot,Subdivision
  • Lot size dimensions: 151 x 221

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Strong Wind
Tornado
Hail

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 $5,060$60,720
Home Insurance *$599$7,188
Property Taxes $1,117$13,404
Electricity $631$7,575
Total$7,407$88,884
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$253,954/yr
40% on housing$222,210/yr
45% on housing$197,520/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

$173This listing

vs Other Active Listings

Avg $/sqft

ZIP 48603$131
Saginaw County$85

vs Homes Sold Last Month

Median $/sqft

ZIP 48603$134
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
2026-08-05Price change$899,000
2026-07-13Listed for sale$1,000,750
1999-10-08Sold$62,500

For Sale by Agent

AgentMark Greskowiak
BrokerageCentury 21 Signature Realty

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