Sold
631 W Belle Avenue, Saint Charles, MI 48865
Sold on 05/19/2026 for$195,000
MLS # 50202792 (MiRealSource)
3 beds1 bathBuilt 19000.36 acres
1 / 30
Listing Description
Welcome home to this beautifully maintained 3-bedroom, 1-bath Tudor-style residence that perfectly blends classic character with modern convenience. Featuring large rooms and open living spaces, this home offers a warm and inviting layout ideal for both everyday living and entertaining. The updated kitchen and bathroom provide a fresh, contemporary feel, while the electric fireplace in the living room creates a cozy focal point perfect for relaxing evenings. With one bedroom on the main floor and two generously sized bedrooms upstairs, the layout offers flexibility for families, guests, or a home office setup. The unfinished basement is dry, spacious, and highly functional—ideal for storage, a workshop, or future finishing potential. You’ll also find convenient basement laundry already in place. Step outside to enjoy a fully fenced backyard, perfect for pets, play, or entertaining, along with a detached one-car garage for added storage and parking.
Source: SparkMLS
About this home
This 3-bedroom, 1-bath home built in 1900 sits in St Charles Township in Saint Charles.
This home sold for $195,000.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Lot Size0.36 acres
Year Built1900
Location
CitySaint Charles
MunicipalitySt Charles Twp
Zip Code48865
CountySaginaw
School DistrictSt Charles
Construction & Systems
ConstructionBrick
Garage1 space
HeatingForced Air
SewerPublic
Sale & Financing
Listed3/29/2026
Sold Date5/18/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Parcel #24-10-3-05-0206-000
Source: SparkMLS
Legal Description
PART OF LOT 1 BLK 31 DESC AS COM ON ELY LINE OF BELLE AVE 258 FT NLY OF THE SW CORN OF LOT 1 BLK 31 TH SELY 167 FT ON A LINE WHICH WOULD INTERSECT THE ELY LINE OF SD LOT 65 FT NLY OF THE SE CORN THEREOF TH SWLY PARA TO BELLE AVE 60 FT TH NWLY TO ELY LINE OF BELLE AVE 60 FT SLY OF BEG TH NLY TO BEG BLK 31 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 Kelly Zielinski
Oak and Stone Real Estate
Frequently Asked Questions about 631 W Belle Avenue, Saint Charles, MI 48865
What school district is 631 W Belle Avenue, Saint Charles, MI 48865 in?
Per MLS# 50202792, this property is served by St Charles. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 50202792, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, VA Loan. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
Is 631 W Belle Avenue, Saint Charles, MI 48865 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 631 W Belle Avenue, Saint Charles, MI 48865 is in flood zone X (minimal risk). 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.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: Public. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the St Charles Twp police department or the Saginaw County sheriff's office.
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Monthly payment$1,232
Principal & interest$1,232
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
631 W Belle Avenue, Saint Charles, MI 48865
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Municipality
St Charles Township
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