Sold
516 Shepard Street, Saginaw, MI 48604
Sold on 09/09/2025 for$129,000
MLS # 50183496 (MiRealSource)
2 beds1 bath1,120 sqftBuilt 19510.31 acres
1 / 20
Listing Description
Charming and move-in ready! This adorable 2-bedroom home is full of character and features beautiful hardwood floors throughout. Enjoy the convenience of first-floor laundry and the warmth of natural light in every room. This home is nestled on an oversized lot that offers endless possibilities. The 1.5 car garage provides extra storage space for all your tools and toys. Well-maintained and inviting, this home is perfect for first-time buyers, downsizers, or anyone looking for comfort and charm in a spacious setting.
Source: SparkMLS
About this home
Located in Zilwaukee in Saginaw, this property offers 2-bedroom, 1-bath, 1,120 sq ft, with original construction dating to 1951.
Final sale price: $129,000 (about $115/sq ft).
Electric service is provided by Consumers Energy Company. Broadband is available with download speeds up to 1,000 Mbps from 8 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Living Area1,120 sqft
Lot Size0.31 acres
Year Built1951
Location
CitySaginaw
MunicipalityZilwaukee
Zip Code48604
CountySaginaw
School DistrictSaginaw City School District
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
Garage1.5 spaces
HeatingForced Air
SewerPublic
Sale & Financing
Listed7/29/2025
Sold Date9/8/2025
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Abby Enszer
Berkshire Hathaway HomeServices
Frequently Asked Questions about 516 Shepard Street, Saginaw, MI 48604
Which school district serves 516 Shepard Street, Saginaw, MI 48604?
Per MLS# 50183496, 516 Shepard Street, Saginaw, MI 48604 is in the Saginaw City School District boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Saginaw City School District directly to confirm enrollment eligibility.
What financing options are available for 516 Shepard Street, Saginaw, MI 48604?
Per MLS# 50183496, 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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 516 Shepard Street, Saginaw, MI 48604 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 516 Shepard Street, Saginaw, MI 48604 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 516 Shepard Street, Saginaw, MI 48604. The maximum advertised download speed is 1.0 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 516 Shepard Street, Saginaw, MI 48604?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: 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 Zilwaukee police department or the Saginaw County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$810
Principal & interest$810
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1 Gbps
Upload
35 Mbps
CableLicensed Fixed WirelessGSO SatelliteSatelliteDSL
8 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
516 Shepard Street, Saginaw, MI 48604
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Municipality
Zilwaukee
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