Sold
11278 Spencer Road, Saginaw, MI 48609
Sold on 01/08/2026 for$411,000
MLS # 50194362 (MiRealSource)
3 beds2 baths2,988 sqftBuilt 19910.89 acres
1 / 33
Listing Description
Ready for life on the lake? Your opportunity is here! Move right in to this spacious ranch offering nearly 3,000 sq. ft. of comfortable, light-filled living. The updated kitchen features hardwood floors, granite countertops, and stainless-steel appliances, opening to a cozy breakfast nook with serene views of your private lake. The primary bedroom includes its own ensuite, while the large great room—with a gas fireplace—flows seamlessly into the four-season room, boasting a wall of windows that frame stunning lake views year-round. Need extra space? The bonus room above the 3-car garage has you covered. Step outside to a peaceful back deck and enjoy your own private oasis. Spend your days relaxing, entertaining, or fishing right in your backyard. This one won’t last—call today for your private showing!
Source: SparkMLS
About this home
Located in Swan Creek Township in Saginaw, this property offers 3-bedroom, 2-bath, 2,988 sq ft, with original construction dating to 1991.
Closed at $411,000 (about $138/sq ft).
Electric service is provided by Consumers Energy Company. Broadband is available with download speeds up to 1,000 Mbps from 5 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area2,988 sqft
Lot Size0.89 acres
Year Built1991
Location
CitySaginaw
MunicipalitySwan Creek Twp
Zip Code48609
CountySaginaw
School DistrictSt. Charles Community Schools
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
Garage3 spaces
HeatingForced Air
SewerSeptic Tank
InteriorCeiling Fan(s)
Sale & Financing
Listed11/13/2025
Sold Date1/7/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
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 Bridgette Stallings
Century 21 Signature Realty
Frequently Asked Questions about 11278 Spencer Road, Saginaw, MI 48609
Which school district serves 11278 Spencer Road, Saginaw, MI 48609?
Per MLS# 50194362, 11278 Spencer Road, Saginaw, MI 48609 is in the St. Charles Community Schools boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact St. Charles Community Schools directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 50194362, this listing accepts Cash, Conventional, FHA, VA Loan financing. FHA financing can offer lower down payment requirements for qualified buyers. 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, 11278 Spencer Road, 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 11278 Spencer Road, 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 11278 Spencer Road, Saginaw, MI 48609. The maximum advertised download speed is 1.0 Gbps. 5 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 11278 Spencer Road, 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 Swan Creek Twp police department or the Saginaw County sheriff's office.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$2,757
Principal & interest$2,757
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1 Gbps
Upload
35 Mbps
CableGSO SatelliteSatelliteLicensed Fixed Wireless
5 providers at this address
SpectrumCable
1 GbpsStarlinkGSO Satellite
280 MbpsViasat IncSatellite
100 MbpsHughesNetSatellite
50 MbpsT-MobileLicensed Fixed Wireless
0 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
11278 Spencer Road, Saginaw, MI 48609
View full property history →
Municipality
Swan Creek Township
View all listings →
Get email alerts for new listings near 11278 Spencer Road
We'll notify you when something hits the market in Swan Creek Township or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.