398 N Saginaw Street
Pontiac, MI 48342
Single Family Residence · MLS # 20261008952 · Listing courtesy of Brookstone, Realtors LLC
About this home
Welcome to this beautiful spacious and versatile 4-bedroom, 2 full-bath home offering incredible value! Featuring two full kitchens, this property provides flexible living options perfect for extended family, multi-generational living, or potential rental opportunities. The full basement adds even more usable space for storage, entertaining, or future finishing. Outside, you’ll find a 2.5-car detached garage with full power and a generously sized yard, ideal for additional parking, hobbies, or outdoor gatherings. Conveniently located near Downtown Pontiac, Great Lakes Crossing, restaurants, M-59, and I-75 a, this home combines space, functionality, and affordability all in one. Don’t miss this unique opportunity schedule your showing today! Home warranty included for 1 year worry free maintenance. DSCR loans, Creative financing. Land contract terms are available with $75,000 down payment at 7% interest with a monthly payment of $1904.72 over the course of 11 years with no pre-payment penalty. One year home warranty included for maintenance free living. This property qualifies for all of these incentives 0–3% Down Payment – Making homeownership more accessible. No PMI (Private Mortgage Insurance) = Lower monthly payments. $3,500–$10,500 in Down Payment Grants that are fully forgiven after 5 total but 20% after each year. Also 100% financing available. Buyer contribution 1% of sales price. NOTE: PLEASE SEE CAP CALCULATOR IN THE LAST 4 PHOTOS THAT SHOWS THE POTENTIAL.
Interior
Systems and utilities
Exterior and lot
Taxes, HOA and more
Schools
How it compares in Pontiac
Over the last 90 days, 117 homes sold in Pontiac for a median of $147,200, about $107 per square foot, and the typical one went under contract in 16 days. This home is listed at $250,000, or $154 per square foot, 44% above the city median, and has been on the market 240 days. Size, condition, updates and the exact street all move the number, so treat this as context. See recent Pontiac sales or ask us for the comparable sales on this one.
Property taxes for a new owner
The current owner pays about $2,647 a year. A buyer who lives here would pay about $1,026 to $4,845 a year once the taxable value resets after the sale, at the 2025 homestead rate of 38.37 mills for Pontiac City and Pontiac schools, plus the 1% administration fee. Michigan resets a home's taxable value the year after it sells, so the seller's bill isn't a good number to budget with. See the math.
Monthly payment estimate
Estimate only, 30 year fixed, includes taxes at a new owner's rate when listed. Ask us for a lender quote.
Location
Similar homes in Pontiac
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