Sold
12092 Spencer Road, Saginaw, MI 48609
Sold on 09/05/2024 for$220,000
MLS # 50142399 (MiRealSource)
5 beds2 baths1,824 sqftBuilt 19795.13 acres
1 / 64
Listing Description
Five tree covered acres in Swan Creek Twp, includes a five bedroom, two bath home with walk out basement. This Wausau built home is two story; fireplace on lower level, a full bath on first & second floors. Large living room & dining area overlook open staircase to upstairs & to family room in basement. Access deck from the dining area. Bedrooms located on first & second floors. The large eat in kitchen can accommodate more than one cook in the family. Two car detached garage and generous amount of parking space. Allow your imagination to take flight & make this your dream home.
Source: SparkMLS
About this home
This 5-bedroom, 2-bath, 1,824 sq ft home built in 1979 sits in Swan Creek Township in Saginaw.
This home sold for $220,000 (about $121/sq ft).
Broadband is available with download speeds up to 1,000 Mbps from 5 providers. Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms2
Living Area1,824 sqft
Lot Size5.13 acres
Year Built1979
Location
CitySaginaw
MunicipalitySwan Creek Twp
Zip Code48609
CountySaginaw
School DistrictSt. Charles Community Schools
Construction & Systems
ConstructionVinyl Siding
Garage2 spaces
SewerSeptic Tank
InteriorCeiling Fan(s)
Sale & Financing
Listed5/16/2024
Sold Date9/4/2024
Terms AcceptedCash, Conventional
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 Mark McKnight
Century 21 Signature Realty
Frequently Asked Questions about 12092 Spencer Road, Saginaw, MI 48609
What school district is 12092 Spencer Road, Saginaw, MI 48609 in?
Per MLS# 50142399, this property is served by St. Charles Community Schools. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 50142399, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
Is 12092 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, 12092 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.
Is fiber internet available at 12092 Spencer Road, Saginaw, MI 48609?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 12092 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.
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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Mortgage Calculator
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Monthly payment$1,430
Principal & interest$1,430
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
12092 Spencer Road, Saginaw, MI 48609
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Municipality
Swan Creek Township
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