Sold
11900 Geddes Road, Saginaw, MI 48609
Sold on 06/26/2026 for$198,000
MLS # 50205366 (MiRealSource)
3 beds1 bathBuilt 19450.57 acres
1 / 1
Listing Description
Welcome home to this well-maintained 3-bedroom, 1 full bath property offering comfort, space, and major updates for peace of mind. The home features a generously sized primary bedroom with a walk-closet, and a large, inviting living area—perfect for relaxing or entertaining. Step outside to enjoy a fully fenced, privacy backyard, surveyed and installed in 2023, providing both security and space for outdoor living. Car enthusiasts, hobbyists, or anyone in need of extra storage will appreciate the oversized 2-car garage, along with a powered shed—both equipped with pegboards for organized, functional workspace. This home has seen significant upgrades, including a new septic system and drain field (2024), a brand-new furnace (2026) with transferable warranty, and the added efficiency of a tankless water heater. Fresh interior paint gives the home a clean, move-in-ready feel. Conveniently located near Hemlock Semiconductor for an easy commute, and just minutes from Saginaw Field and Stream, offering that “up north” feel right around the corner. With its combination of space, updates, location, and practical features, this property is ready to welcome its next owner—schedule your showing today!
Source: SparkMLS
About this home
Located in Thomas Township in Saginaw, this property offers 3-bedroom, 1-bath, with original construction dating to 1945.
Final sale price: $198,000.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Lot Size0.57 acres
Year Built1945
Location
CitySaginaw
MunicipalityThomas Twp
Zip Code48609
CountySaginaw
School DistrictHemlock
Construction & Systems
ConstructionVinyl Siding
BasementSlab, Crawl Space
Garage2 spaces
HeatingForced Air
SewerPublic
InteriorCeiling Fan(s)
Sale & Financing
Listed4/23/2026
Sold Date6/25/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Parcel #28-12-3-20-2014-000
Source: SparkMLS
Legal Description
W 108 FT OF E 972.50 FT OF S 228 FT OF W 1/2 OF NW 1/4 -- 0.56 ACRE SEC 20 T12N R3E
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 Kelly Zielinski
Oak and Stone Real Estate
Frequently Asked Questions about 11900 Geddes Road, Saginaw, MI 48609
Which school district serves 11900 Geddes Road, Saginaw, MI 48609?
Per MLS# 50205366, 11900 Geddes Road, 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 11900 Geddes Road, Saginaw, MI 48609?
Per MLS# 50205366, 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, 11900 Geddes 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 11900 Geddes 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 utilities serve 11900 Geddes Road, Saginaw, MI 48609?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: Public. 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$1,265
Principal & interest$1,265
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
11900 Geddes Road, Saginaw, MI 48609
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Municipality
Thomas Township
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