Sold
11692 Spencer Road, Saginaw, MI 48609
Sold on 02/07/2025 for$226,000
MLS # 50158537 (MiRealSource)
3 beds2 baths1,248 sqftBuilt 19701.43 acres
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Listing Description
Welcome home to this 3 bed, 2 bath, 1 owner, well maintained home in the St. Charles school district. The home features over 1200 sq ft of living space, a full basement, Generac generator, an inground pool, a 2 car detached garage with a pool changing room, a second 20 x 20 detached garage, and more. The property boast a lovely 1.43 acre lot, with plenty of wildlife to keep you company. Call or text your agent today.
Source: SparkMLS
About this home
Located in Swan Creek Township in Saginaw, this property offers 3-bedroom, 2-bath, 1,248 sq ft, with original construction dating to 1970.
Final sale price: $226,000 (about $181/sq ft).
Electric service is provided by Consumers Energy Company. Broadband is available with download speeds up to 1,000 Mbps from 5 providers.
Tour
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,248 sqft
Lot Size1.43 acres
Year Built1970
Location
CitySaginaw
MunicipalitySwan Creek Twp
Zip Code48609
CountySaginaw
School DistrictSt. Charles Community Schools
Construction & Systems
ConstructionVinyl Siding
Garage4 spaces
HeatingForced Air
SewerSeptic Tank
InteriorCeiling Fan(s)
Sale & Financing
Listed10/16/2024
Sold Date2/6/2025
Original Price$239,900
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 Scott Clay
Mid-Mitten Realty
Frequently Asked Questions about 11692 Spencer Road, Saginaw, MI 48609
Which school district serves 11692 Spencer Road, Saginaw, MI 48609?
Per MLS# 50158537, 11692 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.
Can I use FHA or VA financing for this property?
Per MLS# 50158537, 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, 11692 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 11692 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 11692 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 11692 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.
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Mortgage Calculator
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Monthly payment$1,491
Principal & interest$1,491
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
11692 Spencer Road, Saginaw, MI 48609
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Municipality
Swan Creek Township
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