Sold
120 S Miami Street, St. Charles, MI 48655
Sold on 05/07/2026 for$120,000
MLS # 20261017516 (Realcomp)
3 beds1 bath1,090 sqftBuilt 19305.1 acres
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Listing Description
Over 5 acres of land right in St. Charles! opportunities like this don’t come around often! 120 S Miami St offers a rare chance to own a spacious property with room to Develop, build, and create the lifestyle you’ve been looking for. The home features a traditional layout with multiple living spaces and an enclosed porch, adding extra room to relax or gather. A detached outbuilding provides additional storage for tools, equipment, or hobbies. The true standout is the land, just over 5 acres with a mix of open space and tree-lined areas for added privacy. Whether you’re thinking about a hobby farm, additional structures, or simply enjoying the extra elbow room, this property gives you the flexibility to make it your own. Located in a quiet setting while still close to town, this is a great opportunity for someone ready to bring their vision to life. BTVAI
Source: SparkMLS
About this home
3-bedroom, 1-bath, 1,090 sq ft home in St Charles Township in St. Charles built in 1930.
Final sale price: $120,000 (about $110/sq ft).
Estimated annual property tax: $2,717, or about $226 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Living Area1,090 sqft
Lot Size5.1 acres
Year Built1930
Stories1
Location
CitySt. Charles
Zip Code48655
CountySaginaw
School DistrictSt. Charles
Construction & Systems
ConstructionWood Siding
BasementCrawl Space
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed3/17/2026
Sold Date5/6/2026
Terms AcceptedCash, Conventional, FHA, Rural Development, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$2,717
Parcel #24103050234000
Source: SparkMLS
Legal Description
THAT PART OF LOTS 5 6 7 & 8 BLK 45 E OF MCRR R/W TOGETHER WITH 1/2 OF THE STREET ON S SIDE OF SD BLK, THAT PART OF BLK 46 E OF MCRR R/W TOGETHER WITH ENTIRE STREETS ON N & S SIDE OF SD BLK, LOTS 5 6 7 & THAT PART OF LOTS 1 2 3 & 4 BLK 57 E OF MCRR R/ W, ENTIRE BLK 44 TOGETHER WITH 1/2 OF THE STREET ON S SIDE OF SD BLK & ENTIRE BLK 47 TOGETHER WITH ENTIRE STREET TO THE SOUTH & 1/2 OF THE STREET TO
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by David Binkley
Brookstone, Realtors LLC
Frequently Asked Questions about 120 S Miami Street, St. Charles, MI 48655
Which school district serves 120 S Miami Street, St. Charles, MI 48655?
Per MLS# 20261017516, 120 S Miami Street, St. Charles, MI 48655 is in the St. Charles boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact St. Charles directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 20261017516, this listing accepts Cash, Conventional, FHA, Rural Development, VA Loan financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 120 S Miami Street, St. Charles, MI 48655?
Per public tax records, annual property taxes for this property are $2,717. Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 120 S Miami Street, St. Charles, MI 48655 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 120 S Miami Street, St. Charles, MI 48655 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. Flood insurance is required for federally-backed mortgages in this zone. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 120 S Miami Street, St. Charles, MI 48655?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the local police department or county sheriff's office.
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Monthly payment$811
Principal & interest$811
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
120 S Miami Street, St. Charles, MI 48655
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Municipality
St Charles Township
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