Sold
123 E Spruce Street, Saint Charles, MI 48655
Sold on 03/27/2026 for$134,900
MLS # 50199446 (MiRealSource)
3 beds1 bathBuilt 19200.3 acres
1 / 27
Listing Description
Surrounded by smalltown charm and the great outdoors, 123 E. Spruce St. in the Village of St. Charles has so much to offer. The three bedrooms include a main floor primary bedroom with walk-in closet and two bedrooms upstairs. The eat-in kitchen has plenty of elbow room, decorative wainscoting and a newer stove. The spacious living room is washed in natural light that streams in through large vinyl windows. An enclosed portico features knotty pine walls giving it a cozy cabin ambiance. This home offers peace of mind with a new furnace installed in 2023 and central air conditioning installed in 2025. An L-shaped deck off the kitchen leads to a spacious yard and a 40-foot by 25-foot garage with three overhead doors and gas and electric service. Located in close proximity to the Bad River, this property is a playground for fishermen, kayakers and outdoorsmen. The nearby Lumberjack Park has a trailhead to the Saginaw Valley Rail Trail and lots of open space. This home is just a short drive to the village’s Coal Miners Park which offers an 18-hole disc golf course and a walking trail, and is home to the St. Charles Farmers’ Marketplace. Just a short drive away is Shiawassee National Wildlife Refuge.
Source: SparkMLS
About this home
3-bedroom, 1-bath home in St Charles Township in Saint Charles built in 1920.
This home sold for $134,900.
Electric service is provided by Consumers Energy Company. Broadband is available with download speeds up to 1,000 Mbps from 7 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Lot Size0.3 acres
Year Built1920
Location
CitySaint Charles
MunicipalitySt Charles Twp
Zip Code48655
CountySaginaw
School DistrictSt Charles
Construction & Systems
ConstructionVinyl Siding
BasementMichigan Basement, Crawl Space
Garage3 spaces
HeatingForced Air
SewerPublic
Sale & Financing
Listed2/12/2026
Sold Date3/26/2026
Original Price$145,000
Terms AcceptedCash, Conventional
Source: SparkMLS
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Jaime Cramer
Berkshire Hathaway HomeServices
Frequently Asked Questions about 123 E Spruce Street, Saint Charles, MI 48655
Which school district serves 123 E Spruce Street, Saint Charles, MI 48655?
Per MLS# 50199446, 123 E Spruce Street, Saint Charles, MI 48655 is in the St Charles boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact St Charles directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 50199446, this listing accepts Cash, Conventional financing. 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, 123 E Spruce Street, Saint Charles, MI 48655 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 123 E Spruce Street, Saint Charles, MI 48655 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. Flood insurance is required for federally-backed mortgages in this zone. 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 123 E Spruce Street, Saint Charles, MI 48655. The maximum advertised download speed is 1.0 Gbps. 7 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 123 E Spruce Street, Saint Charles, MI 48655?
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 St Charles Twp police department or the Saginaw County sheriff's office.
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Monthly payment$875
Principal & interest$875
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1 Gbps
Upload
35 Mbps
CableLicensed Fixed WirelessGSO SatelliteSatelliteDSL
7 providers at this address
FCC 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
123 E Spruce Street, Saint Charles, MI 48655
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Municipality
St Charles Township
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