Sold
11600 Spencer Road, Saginaw, MI 48609
Sold on 04/22/2026 for$235,500
MLS # 50202060 (MiRealSource)
3 beds1 bathBuilt 19570.82 acres
1 / 31
Listing Description
Multiple offers received. Please submit your highest and best offers by 1pm on Sunday the 22nd. Spacious 3 bedroom ranch on a .82 acre country lot. Large living room with a natural fireplace. Formal dining room. Hardwood flooring in the bedrooms. Updated bathroom with a large, walk-in shower. Main floor laundry room. 2 car attached garage plus a 40 x 24 insulated pole barn built in 1990 with a cement floor and electric. Fenced yard with an inground pool. Newer roof, furnace and hot water heater. Central air. Range, dishwasher and washer/dryer included. City water and septic. Property is comprised of two lots. Tax id#'s are: 26-11-3-17-2110-000 and 26-11-3-17-2111-000. Make an appointment before this one is gone!!!
Source: SparkMLS
About this home
This 3-bedroom, 1-bath home built in 1957 sits in Swan Creek Township in Saginaw.
Closed at $235,500.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Lot Size0.82 acres
Year Built1957
Location
CitySaginaw
MunicipalitySwan Creek Twp
Zip Code48609
CountySaginaw
School DistrictSt Charles
Construction & Systems
ConstructionAluminum Siding, Vinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
SewerSeptic Tank
InteriorCeiling Fan(s)
Sale & Financing
Listed3/17/2026
Sold Date4/21/2026
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 Karen Antal
RE/MAX New Image
Frequently Asked Questions about 11600 Spencer Road, Saginaw, MI 48609
What school district is 11600 Spencer Road, Saginaw, MI 48609 in?
Per MLS# 50202060, this property is served by St Charles. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 50202060, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, VA Loan. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
Is 11600 Spencer Road, Saginaw, MI 48609 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, 11600 Spencer Road, Saginaw, MI 48609 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$1,485
Principal & interest$1,485
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
11600 Spencer Road, Saginaw, MI 48609
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Municipality
Swan Creek Township
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