Pending
45451 Joseph Street, Utica, MI 48317
$275,000
MLS # 20261045587 (Realcomp)
3 beds1 bath1,029 sqftBuilt 19730.38 acres
1 / 40
Listing Description
Welcome to this charming 3-bedroom, 1-bath ranch nestled in Shelby Township with highly sought-after Utica Schools! This clean, move-in ready home sits on a generous 0.37-acre lot and features an open layout with a spacious kitchen. Step outside and enjoy the stamped patio perfect for entertaining, plus a massive detached 2-car garage with workshop electricity and two additional storage sheds. No HOA means no restrictions! Centrally located with easy access to M-59 and all the shopping, dining, and conveniences Shelby Township offers. Whether you're a first-time buyer or looking to downsize, this home checks all the boxes. Don't miss it, schedule your showing today!
Source: SparkMLS
About this home
Located in Shelby Township in Utica, this property offers 3-bedroom, 1-bath, 1,029 sq ft, with original construction dating to 1973.
Listed at $275,000 (about $267/sq ft).
Property tax estimate: $3,097 per year ($258/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
Bedrooms3
Bathrooms1
Living Area1,029 sqft
Lot Size0.38 acres
Year Built1973
Stories1
Location
CityUtica
MunicipalityShelby Twp
Zip Code48317
CountyMacomb
School DistrictUtica
Construction & Systems
ConstructionBrick, Vinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterPublic
SewerSeptic Tank
Sale & Financing
Listed6/16/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$3,097
State Equalized Value$100,900
Taxable Value$100,900
Parcel #07-31-327-045
Source: Public Records
Legal Description
*L 69 BABIARZ HIGHLAND SUBDIVISION LOT 69. LIBER 29 PAGE 5
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Ardis Porter
Keller Williams First
Frequently Asked Questions about 45451 Joseph Street, Utica, MI 48317
Which school district serves 45451 Joseph Street, Utica, MI 48317?
Per MLS# 20261045587, 45451 Joseph Street, Utica, MI 48317 is in the Utica boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Utica directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 20261045587, 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 45451 Joseph Street, Utica, MI 48317?
Per public tax records, annual property taxes for this property are $3,097. 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, 45451 Joseph Street, Utica, MI 48317 is not in an eligible area. USDA eligibility is based on property location — properties within designated urban zones are excluded. Other low-down-payment options (FHA, VA) may still be available.
Is 45451 Joseph Street, Utica, MI 48317 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 45451 Joseph Street, Utica, MI 48317?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: Consumers Energy Company. Sewer: Septic Tank. 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. Macomb 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$1,784
Principal & interest$1,784
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
45451 Joseph Street, Utica, MI 48317
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Municipality
Shelby Township
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County
Macomb County
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