Sold
45 Kemp Street, Pontiac, MI 48342
Sold on 07/02/2026 for$120,000
MLS # 20261040028 (Realcomp)
2 beds2 baths795 sqftBuilt 19200.13 acres
1 / 26
Listing Description
Welcome home to this cute and affordable ranch in Pontiac! Remodeled in 2024, this move-in-ready home offers immediate occupancy and includes an additional lot, providing extra outdoor space and endless possibilities. The main level features a comfortable layout with a dedicated dining room, while the finished basement offers two additional rooms that can be used for bedrooms, a home office, hobby space, or additional living areas. Enjoy relaxing on the covered front porch and take advantage of the large yard made possible by the included second lot. Whether you're a first-time homebuyer, investor, or looking to downsize, this property offers great value and flexibility at an affordable price. Schedule your showing today!
Source: SparkMLS
About this home
2-bedroom, 2-bath, 795 sq ft home in Pontiac in Pontiac built in 1920.
This home sold for $120,000 (about $151/sq ft).
Property tax estimate: $747 per year ($62/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by DTE Electric Company; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms2
Living Area795 sqft
Lot Size0.13 acres
Year Built1920
Stories1
Location
CityPontiac
MunicipalityPontiac
Zip Code48342
CountyOakland
School DistrictPontiac
Construction & Systems
ConstructionVinyl Siding
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed5/31/2026
Sold Date7/1/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$747
State Equalized Value$24,110
Taxable Value$11,950
Parcel #1420476033
Source: Public Records
Legal Description
T3N, R10E, SEC 20 MODERN HOUSING CORPORATION ADDITION LOT 35
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 Tina M Zudell
Real Broker, LLC Clarkston
Frequently Asked Questions about 45 Kemp Street, Pontiac, MI 48342
Which school district serves 45 Kemp Street, Pontiac, MI 48342?
Per MLS# 20261040028, 45 Kemp Street, Pontiac, MI 48342 is in the Pontiac boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Pontiac directly to confirm enrollment eligibility.
What financing options are available for 45 Kemp Street, Pontiac, MI 48342?
Per MLS# 20261040028, 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 45 Kemp Street, Pontiac, MI 48342?
Per public tax records, annual property taxes for this property are $747. 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, 45 Kemp Street, Pontiac, MI 48342 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 45 Kemp Street, Pontiac, MI 48342 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 45 Kemp Street, Pontiac, MI 48342?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric 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 source. Oakland County is served by CLEMIS (Courts and Law Enforcement Management Information System), which provides public safety data for Southeast Michigan law enforcement agencies.
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Monthly payment$778
Principal & interest$778
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
DTE Electric Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
45 Kemp Street, Pontiac, MI 48342
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Municipality
Pontiac
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County
Oakland County
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