521 Birch St · Saginaw, MI 48601

$51,900

3 bd · 1.0 ba · 1,740 sqft · SingleFamily public records · 76 Days on market

Built 1916 9,148 sqft lot Est $73k · 29% under ↓ 13% since listing

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Why this score? — see what drove the B+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

HOME BEING SOLD AS IS. This 3-4 bedroom home features over 1,700 sqft, 1.5 baths, and full basement. Newer roof and electrical panel plus three new security doors. Furnace and hot water heater have been removed. Buyer to be credited $2,000 at closing for meter upgrade. Each bedroom has large closets. A perfect choice for first time home buyer or investor. Home has been winterized and all power is off.

Key facts

• 9,148 sq ft lot
• Garage
• Built 1916

Property features AI

Finance

• Other: Above-grade finished area approximately 1,740 square feet
• HOA & community: Homeowners association present

Exterior

• Parking: Detached garage (about 1.5 car)
• Utilities: Public water; Public sewer
• Home design: Two-story single-family home; Residential property
• Construction: Brick and vinyl siding exterior
• Exterior features: Lot approximately 78 x 120 (0.21 acre)

Interior

• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating (natural gas); No central cooling
• Interior features: Living room fireplace; 6 total rooms; Basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $52k.

Deal economics

• At list price, monthly cash flow is $214 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $52k).
• Recommended offer: $49k (6.0% below list) — sets the bar for market timing.
• Cap rate 21.9% vs local median 8.3% in Saginaw — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 63/100 on livability (#521 in MI) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools F, crime F, amenities F.
• Saginaw School District (urban): math 20% / reading 29% proficiency, ranked #444 of 540 in MI (top 82%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 76% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 199 active listings in the ZIP; 154 units permitted in Saginaw County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $359 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Saginaw County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $15k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 76 days — a 6% lower offer ($49k) is reasonable based on typical stale-listing flexibility.
• 14 sale attempts since 22y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $40k; 30% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: property tax is 3.4% of price; flood insurance adds $460/mo; built in 1916 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $48,786 (6.0% below list)

Questions for the listing agent

1. It's been on market 76 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1916 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
8. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
9. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
10. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
11. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 2.71% ✓
• Cap rate: 21.88%
• Cash-on-cash: 55.66%
• DSCR: 3.48
• GRM: 3.1

CMA / ARV

• ARV (on-the-fly): $73,080
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
805 Birch St	0.13mi	3/2.5	1,747 (+0%)	3mo	$119,900	$69	85
2205 Owen St	0.60mi	2/1.0 (-1)	1,800 (+3%)	7mo	$52,500	$29	55
709 S Michigan Ave	0.75mi	3/1.0	1,860 (+7%)	14mo	$88,500	$48	42
2420 S Jefferson Ave	0.64mi	3/2.0	1,522 (-12%)	8mo	$35,000	$23	38
2933 Martindale St	0.66mi	2/1.5 (-1)	1,800 (+3%)	23mo	$75,000	$42	37

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 9.6%
• Equity multiple: 1.38×
• Total profit: $5,551
• Equity at exit: $7,738

10-year hold

• IRR: 19.2%
• Equity multiple: 2.64×
• Total profit: $23,792
• Equity at exit: $4,487

Cash invested: $14,532 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 62 Landlord-Friendly
• State Michigan: 62 Landlord-Friendly · EVEN
• County: — inherits STATE
• City: — inherits STATE

7-day pay-or-quit; mixed climate; Detroit/AA have some protections.

Methodology + full state rankings →

ZIP-level market 48601

• Home prices YoY: -32.1%
• Active inventory: 199
• Price-to-rent: 3.1×

Monthly cashflow live

• Estimated rent: $1,409 medium
• Mortgage (P&I): −$272
• Tax from tax record: −$145 /mo · $1,742/yr
• Insurance: −$22
• Flood insurance flood zone: −$460 /mo · $5,525/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$296
• Net cashflow: $214

Break-even live

Break-even rent $1,138

Max offer price $51,900

Occupancy floor 80%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $12,975
• Closing costs: $1,557
• Reserves months: —
• Total cash needed: —

Listing history 50 events

1. 2026-06-19
   days on market $51,900 Active 76 DOM
2. 2026-06-18
   days on market $51,900 Active 75 DOM
3. 2026-06-17
   days on market $51,900 Active 74 DOM
4. 2026-06-16
   days on market $51,900 Active 73 DOM
5. 2026-06-15
   days on market $51,900 Active 72 DOM
6. 2026-06-14
   days on market $51,900 Active 70 DOM
7. 2026-06-12
   days on market $51,900 Active 69 DOM
8. 2026-06-09
   days on market $51,900 Active 66 DOM
9. 2026-06-08
   days on market $51,900 Active 65 DOM
10. 2026-06-07
    days on market $51,900 Active 64 DOM
11. 2026-06-05
    days on market $51,900 Active 61 DOM
12. 2026-06-03
    days on market $51,900 Active 60 DOM
13. 2026-06-02
    days on market $51,900 Active 59 DOM
14. 2026-06-01
    days on market $51,900 Active 58 DOM
15. 2026-05-31
    days on market $51,900 Active 57 DOM
16. 2026-05-30
    days on market $51,900 Active 56 DOM
17. 2026-04-09
    status Active

    Show marketing remark (404 chars)

    HOME BEING SOLD AS IS. This 3-4 bedroom home features over 1,700 sqft, 1.5 baths, and full basement. Newer roof and electrical panel plus three new security doors. Furnace and hot water heater have been removed. Buyer to be credited $2,000 at closing for meter upgrade. Each bedroom has large closets. A perfect choice for first time home buyer or investor. Home has been winterized and all power is off.

18. 2026-04-09
    status Active 404-char remark

    Show marketing remark (404 chars)

    HOME BEING SOLD AS IS. This 3-4 bedroom home features over 1,700 sqft, 1.5 baths, and full basement. Newer roof and electrical panel plus three new security doors. Furnace and hot water heater have been removed. Buyer to be credited $2,000 at closing for meter upgrade. Each bedroom has large closets. A perfect choice for first time home buyer or investor. Home has been winterized and all power is off.

19. 2026-04-01
    status Pending

    Show marketing remark (404 chars)

    HOME BEING SOLD AS IS. This 3-4 bedroom home features over 1,700 sqft, 1.5 baths, and full basement. Newer roof and electrical panel plus three new security doors. Furnace and hot water heater have been removed. Buyer to be credited $2,000 at closing for meter upgrade. Each bedroom has large closets. A perfect choice for first time home buyer or investor. Home has been winterized and all power is off.

20. 2026-04-01
    status Pending 404-char remark

    Show marketing remark (404 chars)

    HOME BEING SOLD AS IS. This 3-4 bedroom home features over 1,700 sqft, 1.5 baths, and full basement. Newer roof and electrical panel plus three new security doors. Furnace and hot water heater have been removed. Buyer to be credited $2,000 at closing for meter upgrade. Each bedroom has large closets. A perfect choice for first time home buyer or investor. Home has been winterized and all power is off.

21. 2026-03-27
    listed $51,900 Active

    Show marketing remark (404 chars)

    HOME BEING SOLD AS IS. This 3-4 bedroom home features over 1,700 sqft, 1.5 baths, and full basement. Newer roof and electrical panel plus three new security doors. Furnace and hot water heater have been removed. Buyer to be credited $2,000 at closing for meter upgrade. Each bedroom has large closets. A perfect choice for first time home buyer or investor. Home has been winterized and all power is off.

22. 2026-03-27
    listed $51,900 Active 404-char remark

    Show marketing remark (404 chars)

    HOME BEING SOLD AS IS. This 3-4 bedroom home features over 1,700 sqft, 1.5 baths, and full basement. Newer roof and electrical panel plus three new security doors. Furnace and hot water heater have been removed. Buyer to be credited $2,000 at closing for meter upgrade. Each bedroom has large closets. A perfect choice for first time home buyer or investor. Home has been winterized and all power is off.

23. 2026-02-13
    soldstatus $40,000 Sold 1037-char remark

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

24. 2026-02-13
    soldstatus $40,000 Closed

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

25. 2026-02-13
    soldstatus $40,000 Closed

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

26. 2026-02-09
    status Pending

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

27. 2026-02-09
    status Pending

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

28. 2026-02-09
    status Pending 1037-char remark

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

29. 2026-02-01
    price $49,900

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

30. 2026-02-01
    historical $1,000

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

31. 2026-02-01
    price $49,900

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

32. 2026-02-01
    price $49,900 1037-char remark

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

33. 2026-01-15
    listed $1,000

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

34. 2026-01-15
    price $74,900

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

35. 2026-01-15
    price $74,900

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

36. 2026-01-15
    price $74,900 1037-char remark

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

37. 2025-10-14
    listed $79,900 Active 1037-char remark

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

38. 2025-10-14
    listed $79,900 Active

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

39. 2025-10-14
    listed $79,900 Active

    Show marketing remark (1037 chars)

    HUGE PRICE Adjustment. Motivated Seller. *** Welcome to 521 Birch, a beautifully maintained home nestled in a quiet, established neighborhood of Saginaw. This delightful property blends comfort, convenience, and affordability — making it the perfect choice for first-time buyers, growing families, or savvy investors. Step inside to discover a bright and inviting interior featuring spacious living areas and a functional floor plan ideal for both everyday living and entertaining. Home features 3/4 bedrooms. The kitchen offers plenty of cabinet space and connects seamlessly to a cozy dining area. Each bedroom provides ample natural light and storage. Outside, enjoy a generously sized yard perfect for pets, gardening, or hosting weekend barbecues. A detached garage offers added storage or workshop potential. Conveniently located just minutes from schools, parks, shopping, and major highways, 521 Birch offers the best of suburban living with easy access to everything Saginaw has to offer. Land Contract terms

40. 2023-09-11
    soldstatus $15,000 Sold
41. 2023-09-11
    soldstatus $15,000 Closed
42. 2023-08-19
    price $24,900
43. 2023-08-18
    price $24,900
44. 2023-08-09
    price $29,900
45. 2023-08-09
    price $29,900
46. 2023-07-25
    listed $39,900 Active
47. 2023-07-24
    listed $39,900 Active
48. 2017-04-21
    soldstatus $10,000
49. 2017-04-17
    soldstatus $10,000
50. 2017-04-17
    soldstatus $10,000 Closed

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MI · Partial reset (capped growth)

• Current annual tax: $1,742 · $145/mo
• Projected year-2 tax: $1,742 · $145/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone AE · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥100°F today · 14 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,907
• − Mortgage interest: −$2,907
• − Property taxes: −$1,742
• − Insurance: −$5,784
• − Repairs & maintenance: −$1,353
• − Management: −$1,353
• − Depreciation: −$1,510
• Taxable income: $2,258
• Est. tax owed @ 24.0%: −$542
• After-tax cash flow: $2,022/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Saginaw School District
• NCES district ID: 2630390
• Math proficiency: 20% ▼ -5.00%
• Reading proficiency: 29% ▼ -3.00%
• Median HH income: $28,940
• Composite: 19.6/100
• National rank: #8755
• State rank: #444 of 540 in MI

Livability — Saginaw

• Score: 63/100
• State rank: #521
• US rank: #15424

Category grades

Amenities F Commute F Cost of living A+ Crime F Employment F Housing A+ Health & safety A+ User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Saginaw, MI
• City population: 54,884
• Population (ZIP): 32,069

Population outlook (Saginaw County) Hauer SSP2

• Today (2025): 180,568 people
• By 2030: 172,302 · -4.6%
• By 2040: 153,919 · -14.8%
• By 2050: 135,519 · -24.9%
• By 2075: 97,199 · -46.2%
• By 2100: 65,037 · -64.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: Black 59% White 27% Hispanic / Latino 12% Two or more races 5%
• Hispanic origin (detail): Mexican 10%
• Common ancestry: Romanian 2% Lithuanian 2%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 4%

Political lean MEDSL · Saginaw

• 2024 margin: Toss-up / Even · D 47.7% · R 51.0% · Other 1.4%
• 2008→2024 swing: -20.6pp toward R · 2008: 17.3pp · 2024: -3.3pp
• All cycles: 2024: R+3.3 2020: D+0.3 2016: R+1.1 2012: D+11.9 2008: D+17.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -93.46%
• Current HPI: 197.3359
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.37%
• F500 in state: 28

Industry mix (Fortune 500 HQ in MI)

Industry	F500 HQs	Revenue
▸Automotive Parts	3	$48B
▸Automotive	2	$372B
▸Chemicals	1	$45B
▸Automotive Retail	1	$29B
▸Healthcare / Medical Devices	1	$23B
▸Automotive Technology	1	$20B

Price history

-13.4% since first listed

44 events — show timeline

• 2026-04-09 Relisted — REALCOMP
• 2026-04-09 Relisted — MiRealSource-MiMLS
• 2026-04-01 Pending — REALCOMP
• 2026-04-01 Pending — MiRealSource-MiMLS
• 2026-03-27 Listed $51,900 MiRealSource-MiMLS
• 2026-03-27 Listed $51,900 REALCOMP
• 2026-02-13 Sold (MLS) $40,000 REALCOMP
• 2026-02-13 Sold (MLS) $40,000 MiRealSource-MiMLS
• 2026-02-13 Sold (MLS) $40,000 SW Michigan MLS
• 2026-02-09 Pending — MiRealSource-MiMLS
• 2026-02-09 Pending — REALCOMP
• 2026-02-09 Pending — SW Michigan MLS
• 2026-02-01 Price Changed $49,900 MiRealSource-MiMLS
• 2026-02-01 Rental Removed $1,000 SWMMLS
• 2026-02-01 Price Changed $49,900 REALCOMP
• 2026-02-01 Price Changed $49,900 SW Michigan MLS
• 2026-01-15 Listed for Rent $1,000 SWMMLS
• 2026-01-15 Price Changed $74,900 MiRealSource-MiMLS
• 2026-01-15 Price Changed $74,900 REALCOMP
• 2026-01-15 Price Changed $74,900 SW Michigan MLS
• 2025-10-14 Listed $79,900 REALCOMP
• 2025-10-14 Listed $79,900 MiRealSource-MiMLS
• 2025-10-14 Listed $79,900 SW Michigan MLS
• 2023-09-11 Sold (MLS) $15,000 MiRealSource-MiMLS
• 2023-09-11 Sold (MLS) $15,000 REALCOMP
• 2023-08-19 Price Changed $24,900 MiRealSource-MiMLS
• 2023-08-18 Price Changed $24,900 REALCOMP
• 2023-08-09 Price Changed $29,900 MiRealSource-MiMLS
• 2023-08-09 Price Changed $29,900 REALCOMP
• 2023-07-25 Listed $39,900 REALCOMP
• 2023-07-24 Listed $39,900 MiRealSource-MiMLS
• 2017-04-21 Sold (Public Records) $10,000 Public Records
• 2017-04-17 Sold (MLS) $10,000 MiRealSource-MiMLS
• 2017-04-17 Sold (MLS) $10,000 REALCOMP
• 2017-03-15 Pending — MiRealSource-MiMLS
• 2017-03-06 Listed $10,000 MiRealSource-MiMLS
• 2017-03-06 Listed $10,000 REALCOMP
• 2015-07-29 Sold (Public Records) $11,060 Public Records
• 2004-06-28 Sold (Public Records) $53,000 Public Records
• 2004-05-21 Listing Removed — MiRealSource-MiMLS
• 2004-05-20 Sold (MLS) $51,600 REALCOMP
• 2004-05-20 Sold (MLS) $51,600 MiRealSource-MiMLS
• 2004-01-02 Listed $59,900 REALCOMP
• 2004-01-02 Listed $59,900 MiRealSource-MiMLS

Property tax history

+6.1%/yr

Latest (2025): $1,742 · -1.3% YoY. Source: county tax records.