For Sale
225 Charles Street, St. Charles, MI 48655
$275,000
MLS # 20261023598 (Realcomp)
Built 19840.22 acres
1 / 20
Listing Description
Welcome to this charming ranch duplex in the heart of St. Charles! Situated on a desirable corner lot, this property offers a fantastic investment opportunity or the perfect option for owner-occupants—live in one unit while generating income from the other.Each unit features 2 bedrooms and 1 full bathroom, along with a spacious kitchen and comfortable living area. One unit has been tastefully updated with modern flooring and sleek stainless steel appliances, adding extra appeal for tenants or homeowners alike.Additional highlights include a laundry room conveniently located off the heated, finished garage, well-maintained landscaping, a storage shed, and a fenced property for added privacy.Ideally located close to restaurants, shopping, and everyday amenities, this duplex combines comfort, convenience, and income potential all in one.Don’t miss your chance to own this versatile and well-maintained property!
Source: SparkMLS
About this home
Located in St Charles Township in St. Charles, this property offers 2-bath, with original construction dating to 1984.
Asking $275,000.
Estimated annual property tax: $2,685, or about $224 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 TypeMulti Family
Bathrooms2
Lot Size0.22 acres
Year Built1984
Location
CitySt. Charles
Zip Code48655
CountySaginaw
School DistrictSt. Charles
Construction & Systems
ConstructionBrick
BasementCrawl Space
HeatingForced Air
Sale & Financing
Listed4/8/2026
Original Price$300,000
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$2,685
Parcel #24103050164000
Source: SparkMLS
Legal Description
SE LY 1/2 OF LOT 3 EXC NE LY 125 FT ALSO THAT PART OF LOT 4 LYING SW LY OF A LINE DESC AS FOLLOWS COM ON THE NW LY LINE OF LOT 4 AT A POINT 125 FT SW LY FROM N LY COR OF SAID LOT TH SE LY PAR WITH CHARLES ST TO HOSMER ST BLK 17 VILLAGE OF ST CHARLES SEC 05 T10N R3E
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Tami Laduke
Realty Professionals
Frequently Asked Questions about 225 Charles Street, St. Charles, MI 48655
Which school district serves 225 Charles Street, St. Charles, MI 48655?
Per MLS# 20261023598, 225 Charles 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 financing options are available for 225 Charles Street, St. Charles, MI 48655?
Per MLS# 20261023598, this listing accepts Cash, Conventional, FHA, 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 225 Charles Street, St. Charles, MI 48655?
Per public tax records, annual property taxes for this property are $2,685. 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, 225 Charles 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 225 Charles Street, St. Charles, MI 48655 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 225 Charles Street, St. Charles, MI 48655?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. 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.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$1,784
Principal & interest$1,784
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
225 Charles Street, St. Charles, MI 48655
View full property history →
Municipality
St Charles Township
View all listings →
Get email alerts for new listings near 225 Charles Street
We'll notify you when something hits the market in St Charles Township or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.