For Sale
405 E Saginaw, MI 48880
$225,000
MLS # 1946310 (Northern Great Lakes REALTORS® MLS)
3 beds2 bathsBuilt 18710.84 acres
1 / 21
Listing Description
Step into timeless character and everyday comfort with this beautifully maintained Victorian-style home in the heart of St. Louis. Set on an oversized 0.84-acre lot near downtown, schools, parks, and local conveniences, this property offers the charm of a historic home with major updates already completed. Inside, you’ll find approximately 1,868 square feet of inviting living space filled with original woodwork, warm hardwood floors, spacious rooms, and natural light throughout. The welcoming layout features a large living area, an updated kitchen with abundant cabinet space and a striking coffered ceiling, plus spacious bedrooms and additional flex spaces perfect for a home office, hobby room, or reading nook. Recent improvements provide added peace of mind, including foundation work completed between 2024-2025, a newer roof installed in 2019, and updated heating systems in 2019. Outside, the deep backyard offers room to entertain, garden, relax beneath mature shade trees, and enjoy approximately 92 feet of scenic Pine River frontage that creates a peaceful natural backdrop right in your own backyard. If you’ve been searching for a home with historic charm, character, and space all within minutes of downtown St. Louis, this one is worth a look.
Source: SparkMLS
About this home
This 3-bedroom, 2-bath home built in 1871 sits in St Louis in Michigan.
Asking $225,000.
Electric service is provided by City of St Louis; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Lot Size0.84 acres
Year Built1871
Stories2
Location
Zip Code48880
CountyGratiot
Construction & Systems
BasementMichigan Basement, Other
HeatingNatural Gas, Forced Air
WaterPublic
SewerPublic
Sale & Financing
Listed6/7/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
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 Jeanette Corbin
Unknown Office
Frequently Asked Questions about 405 E Saginaw, MI 48880
What financing options are available for 405 E Saginaw, MI 48880?
Per MLS# 1946310, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 405 E Saginaw, MI 48880 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 405 E Saginaw, MI 48880 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 405 E Saginaw, MI 48880?
Per Michigan Public Service Commission service territory data: Electric: City of St Louis. 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$1,459
Principal & interest$1,459
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
City of St Louis
Municipal
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
405 E Saginaw, MI 48880
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Municipality
St Louis
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