Sold
804 Congress Avenue, Saginaw, MI 48602
Sold on 05/21/2026 for$138,000
MLS # 20261024777 (Realcomp)
4 beds1 bath2,034 sqftBuilt 19100.16 acres
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Listing Description
Step into this beautifully renovated, turn-key home in the heart of Saginaw! This charming residence boasts 4 bedrooms, with a possible 5th bedroom upstairs. This beautiful home blends modern updates with timeless character. From the moment you walk in, you’ll notice the thoughtful craftsmanship and attention to detail throughout. The home features a bright, inviting layout with fresh finishes, updated flooring, and an abundance of built-in storage—perfectly integrated shelving, cabinets, and nooks that maximize space while adding unique character you won’t find in typical homes. Each bedroom offers comfort and versatility, whether you need space for family, guests or a home office. Additionally, the home is perfectly located near restaurants, shopping, hospitals and major expressways—ideal for convenience, piece of mind and possible rental opportunities. This beauty won't last long, schedule your private tour today!
Source: SparkMLS
About this home
This 4-bedroom, 1-bath, 2,034 sq ft home built in 1910 sits in Saginaw in Saginaw.
This home sold for $138,000 (about $68/sq ft).
Estimated annual property tax: $1,639, or about $137 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms1
Living Area2,034 sqft
Lot Size0.16 acres
Year Built1910
Stories2
Location
CitySaginaw
MunicipalitySaginaw
Zip Code48602
CountySaginaw
Construction & Systems
ConstructionWood Siding
HeatingForced Air
SewerPublic
Sale & Financing
Listed4/13/2026
Sold Date5/20/2026
Terms AcceptedCash, Conventional, FHA
Source: SparkMLS
Tax Information
Annual Tax$1,639
Parcel #14095900000
Source: SparkMLS
Legal Description
LOT 1,BLK.40,PENOYER FARM
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Etta Slosser
Red Fox Realty LLC
Frequently Asked Questions about 804 Congress Avenue, Saginaw, MI 48602
What financing options are available for 804 Congress Avenue, Saginaw, MI 48602?
Per MLS# 20261024777, this listing accepts Cash, Conventional, FHA 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 804 Congress Avenue, Saginaw, MI 48602?
Per public tax records, annual property taxes for this property are $1,639. 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, 804 Congress Avenue, Saginaw, MI 48602 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 804 Congress Avenue, Saginaw, MI 48602 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 804 Congress Avenue, Saginaw, MI 48602?
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 Saginaw police department or the Saginaw County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$837
Principal & interest$837
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
804 Congress Avenue, Saginaw, MI 48602
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Municipality
Saginaw
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