For Sale
11075 Spencer Road, Saint Charles, MI 48655
$129,900
MLS # 50209178 (MiRealSource)
2 beds1 bathBuilt 19530.4 acres
1 / 31
Listing Description
Cute, cozy, and full of character! This 2 bedroom home in St. Charles has the kind of warm, comfortable feel that makes you want to kick your shoes off and stay awhile. With just over 1,000 square feet, it offers a cozy layout with fun touches and character that give a little nod to its 70’s charm. Sitting on almost a half acre and surrounded by mature trees, you’ll enjoy a peaceful setting while being right next to the rail trail. Inside, you’ll find recent paint and new flooring in the kitchen, living room, and bedroom, giving the home a fresh feel while still keeping its personality. Big ticket updates like a newer roof, plumbing, and soffits offer added peace of mind. Let’s talk about the garage! The oversized 38x24 garage gives you tons of space for a workshop, storage, hobbies, toys, or whatever projects you’ve been dreaming up. Cozy, charming, and full of potential — this one is easy to love!
Source: SparkMLS
About this home
This 2-bedroom, 1-bath home built in 1953 sits in Swan Creek Township in Saint Charles.
Listed at $129,900.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Lot Size0.4 acres
Year Built1953
Location
CitySaint Charles
MunicipalitySwan Creek Twp
Zip Code48655
CountySaginaw
School DistrictSt Charles
Construction & Systems
ConstructionAluminum Siding
BasementCrawl Space
Garage2.5 spaces
HeatingForced Air, Space Heater
SewerSeptic Tank
Sale & Financing
Listed5/27/2026
Terms AcceptedCash, Conventional, FHA, MSHDA
Source: SparkMLS
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 Stephanie Filer
Real Estate One Great Lakes Bay
Frequently Asked Questions about 11075 Spencer Road, Saint Charles, MI 48655
What school district is 11075 Spencer Road, Saint Charles, MI 48655 in?
Per MLS# 50209178, 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 financing options are available for 11075 Spencer Road, Saint Charles, MI 48655?
Per MLS# 50209178, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, MSHDA. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
Is 11075 Spencer Road, Saint Charles, MI 48655 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, 11075 Spencer Road, Saint Charles, MI 48655 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: Septic Tank. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Swan Creek Twp police department or the Saginaw County sheriff's office.
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Monthly payment$843
Principal & interest$843
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
11075 Spencer Road, Saint Charles, MI 48655
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Municipality
Swan Creek Township
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