Sold
11145 Lake Circle North Street, Saginaw, MI 48609
Sold on 06/17/2026 for$360,000
MLS # 50207881 (MiRealSource)
3 beds2 bathsBuilt 19860.52 acres
1 / 58
Listing Description
This one owner, all brinck 3 bedroom home is conveniently located in Thomas Township on Lake Cecil (one of the most sought after locations in Saginaw County!) Upon entering, with the Walls of Windows & French Doors to rear deck, and the open floor plan allows for great view of the Lake whether in the large living room, formal dining room, or kitchen. The primary suite also has french doors to the deck, two walk in closets (one which is cedar lined) and full bath. At the opposite end of this quality built home is laundry room w/ sink, another door to exterior, half bath (could be a full bath with plumbing already installed for shower) hall to the full basement and the oversized 2-car heated garage. Pride in ownership is evident with the well landscaped and meticuliously maintained yard boasting several mature trees, plantings, a PVC fench that lines the entire back yard (52 sections with 3 gates) but does not interfere with the beautiful view. So many more ammenities - call listing agent for details.
Source: SparkMLS
About this home
This 3-bedroom, 2-bath home built in 1986 sits in Thomas Township in Saginaw.
Closed at $360,000.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Lot Size0.52 acres
Year Built1986
Location
CitySaginaw
MunicipalityThomas Twp
Zip Code48609
CountySaginaw
School DistrictHemlock
Construction & Systems
ConstructionBrick
Garage2.5 spaces
HeatingForced Air
SewerSeptic Tank
InteriorCeiling Fan(s)
Sale & Financing
Listed5/15/2026
Sold Date6/16/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Parcel #28-12-3-32-4002-023
Source: SparkMLS
Legal Description
Lot 23 Dude Estates
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 Vicki L White
White Realty
Frequently Asked Questions about 11145 Lake Circle North Street, Saginaw, MI 48609
Which school district serves 11145 Lake Circle North Street, Saginaw, MI 48609?
Per MLS# 50207881, 11145 Lake Circle North Street, Saginaw, MI 48609 is in the Hemlock boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Hemlock directly to confirm enrollment eligibility.
What financing options are available for 11145 Lake Circle North Street, Saginaw, MI 48609?
Per MLS# 50207881, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 11145 Lake Circle North Street, Saginaw, MI 48609 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 11145 Lake Circle North Street, Saginaw, MI 48609 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 11145 Lake Circle North Street, Saginaw, MI 48609?
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.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Thomas Twp police department or the Saginaw County sheriff's office.
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Monthly payment$2,384
Principal & interest$2,384
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
11145 Lake Circle North Street, Saginaw, MI 48609
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Municipality
Thomas Township
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