Sold
12165 Gratiot Road, Saginaw, MI 48609
Sold on 05/11/2026 for$295,000
MLS # 50203395 (MiRealSource)
3 beds1 bathBuilt 19556 acres
1 / 42
Listing Description
Welcome home to this beautifully maintained ranch in desirable Thomas Township, located within the highly sought-after Hemlock school district. This move-in-ready home offers a perfect blend of comfort, space, and country charm. Inside, you’ll find a warm and inviting living room featuring a cozy fireplace—ideal for relaxing evenings. The home includes three comfortable bedrooms and one and a half baths, providing plenty of space for everyday living. Step outside to enjoy the expansive deck off the back, perfect for entertaining, grilling, or simply taking in the peaceful views of your private 6-acre property. The outdoor space is truly a standout, featuring a storage shed, an additional garage for equipment or a workshop, and tree-lined acreage with a scenic path leading to a charming tiny house. The tiny house is powered by solar energy and supplied with water, offering endless possibilities—whether as a guest retreat, hobby space, or your own private getaway. From the front porch, enjoy tranquil views of the pond, adding to the serene setting this property provides. It’s like having your own summer retreat right at home, all year long. Priced at $284,900, this home is in move-in condition and ready for its next owner to enjoy everything it has to offer.
Source: SparkMLS
About this home
3-bedroom, 1-bath home in Thomas Township in Saginaw built in 1955.
This home sold for $295,000.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Lot Size6 acres
Year Built1955
Location
CitySaginaw
MunicipalityThomas Twp
Zip Code48609
CountySaginaw
School DistrictHemlock
Construction & Systems
ConstructionAluminum Siding
BasementCrawl Space
Garage2.5 spaces
HeatingForced Air
SewerSeptic Tank
InteriorCeiling Fan(s)
Sale & Financing
Listed4/5/2026
Sold Date5/10/2026
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 Julie Briggs
Real Estate One Great Lakes Bay
Frequently Asked Questions about 12165 Gratiot Road, Saginaw, MI 48609
What school district is 12165 Gratiot Road, Saginaw, MI 48609 in?
Per MLS# 50203395, this property is served by Hemlock. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 12165 Gratiot Road, Saginaw, MI 48609?
Per MLS# 50203395, 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 12165 Gratiot 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, 12165 Gratiot 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 Thomas Twp police department or the Saginaw County sheriff's office.
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Monthly payment$1,848
Principal & interest$1,848
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
12165 Gratiot Road, Saginaw, MI 48609
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Municipality
Thomas Township
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