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3420 Hemmeter Rd, Saginaw, MI, 48603

4beds
2baths
2,165sqft
$244,900
$113price/sqft
$1,893/moest. monthly cost
$75,720/yrincome needed

About This Home

Investor owned- Home has had all floors refinished,or new carpet and padding installed and luxury vinyl planking and tiles installed. All walls, ceilings, and trim have been repainted with high quality paint. All interior doors and exterior doors have been replaced, sliding door to deck replaced, new deck, all kitchen cabinets and appliances and countertops are new- never used. Both bathrooms completely redone. All electrical receptors, switches, gfi's replaced, new smoke detectors in all bedrooms. Air ducts cleaned, furnace and ac and generator serviced. New garage door. All new led lighting. Basement carpet cleaned and walls and ceilings repaired and trim painted and taped so you can add your color to the walls. Seller will provide 1 year home warranty on furnace and hot water heater- all appliances are new and have their own warranties.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

--
6/10
White Pine Middle SchoolGrades 6-82.8 mi
6/10
Heritage High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1963

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range/Oven,Refrigerator,Washer,Gas Water Heater
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Concrete,Partial,Sump Pump,Crawl Space

Bathroom1

  • Features: Luxury Vinyl
  • Level: First
  • Area: 63

Bedroom1

  • Features: Wood
  • Level: First
  • Area: 121

Bedroom2

  • Features: Wood
  • Level: First
  • Area: 144

Bedroom3

  • Features: Carpet
  • Level: First
  • Area: 120

Bedroom4

  • Features: Carpet
  • Level: First
  • Area: 176

Bedrooms & Bathrooms

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

Family Room

  • Features: Carpet
  • Level: Basement
  • Area: 575

Features

  • Sump Pump
  • Window features: Bay Window(s)
  • Flooring: Hardwood,Wood,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Natural Fireplace
  • Fireplace: Yes
  • Finished area below ground: 650
  • Finished area above ground: 1,515

Heating & Cooling

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

Interior Area

  • Total structure area: 2,790
  • Total interior livable area: 2,165 sqft

Kitchen

  • Level: First
  • Area: 200

Living Room

  • Features: Carpet
  • Level: First
  • Area: 228

Property

Details

  • Parcel number: 23124094310000
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Porch
  • Fencing: Fenced
  • Frontage type: Road
  • Frontage length: 97

Lot

  • Lot size: 0.32 Acres
  • Lot size dimensions: 97 x 143

Parking

  • Total spaces: 2
  • Parking features: Attached,Electric in Garage,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
  • 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 $1,238$14,856
Home Insurance *$146$1,752
Property Taxes $273$3,276
Electricity $236$2,833
Total$1,893$22,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,902/yr
40% on housing$56,790/yr
45% on housing$50,480/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

$113This listing

vs Other Active Listings

Avg $/sqft

ZIP 48603$133
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
2026-05-01Listed for sale$249,900
2026-04-25Pending sale$249,900
2026-04-21Listed for sale$249,900
2025-03-25Sold$149,900
2025-01-31Pending sale$144,900
2025-01-21Price change$144,900
2025-01-09Price change$147,900
2024-12-21Price change$154,000
2024-12-09Price change$159,000
2024-11-25Price change$164,900
2024-11-12Price change$174,900
2024-11-06Listed for sale$185,000
2024-11-04Pending sale$185,000
2024-10-29Price change$179,900
2024-09-24Listed for sale$185,000
2024-09-19Pending sale$185,000
2024-08-26Listed for sale$185,000
2021-01-04Sold$115,000

For Sale by Agent

AgentKay Kretz
BrokerageKeller Williams Preferred

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