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12385 Baumgartner Road, Saint Charles, MI 48655
$559,900
MLS # 50209808 (MiRealSource)
3 beds2 bathsBuilt 19779.21 acres
1 / 48
Listing Description
OPEN HOUSE SUNDAY, JUNE 7: NOON - 2 PM. If you've been searching for the perfect blend of privacy, acreage, and waterfront living, this one is a must-see. Nestled on 9.2 picturesque acres, this 3-bedroom, 2.5-bath home offers 1,728 square feet of comfortable living space in a truly one-of-a-kind setting. Surrounded by mature oak, maple, birch, and pine trees, the home sits more than 500 feet off the road and is completely hidden from view, creating a private retreat that feels like your own Up North getaway. Enjoy stunning lake views, abundant wildlife, and regular sightings of bald eagles, deer, and wild turkeys right from your backyard. The stocked lake offers excellent fishing for bass, bluegill, pike, and carp, while the sandy beach, lakeside sauna, and zip line provide endless outdoor enjoyment. Inside, you'll find granite countertops and backsplash, stainless steel appliances, a beautiful primary bedroom suite with a spacious private bath, a cozy wood stove, and a brick-lined fireplace. Additional features include a Generac backup system installed in 2021, new roof in 2023, huge attached garage, RV/boat parking pad, and a 30x40 insulated and heated pole barn built in 2018. Whether you're looking for a year-round residence, recreational property, or private family retreat, this exceptional waterfront property offers room to roam, relax, and create memories for years to come.
Source: SparkMLS
About this home
This 3-bedroom, 2-bath home built in 1977 sits in Swan Creek Township in Saint Charles.
Currently offered at $559,900.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Lot Size9.21 acres
Year Built1977
Location
CitySaint Charles
MunicipalitySwan Creek Twp
Zip Code48655
CountySaginaw
School DistrictSt Charles
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
SewerSeptic Tank
InteriorCeiling Fan(s)
Sale & Financing
Listed6/1/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Parcel #26-11-3-31-1002-000
Source: SparkMLS
Legal Description
SEC 31 T11N 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 Howard D Ebenhoeh
REMAX Tri County
Frequently Asked Questions about 12385 Baumgartner Road, Saint Charles, MI 48655
Which school district serves 12385 Baumgartner Road, Saint Charles, MI 48655?
Per MLS# 50209808, 12385 Baumgartner Road, 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# 50209808, 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, 12385 Baumgartner Road, 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 12385 Baumgartner Road, Saint Charles, MI 48655 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 12385 Baumgartner Road, Saint Charles, MI 48655?
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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Monthly payment$3,632
Principal & interest$3,632
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
12385 Baumgartner Road, Saint Charles, MI 48655
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Municipality
Swan Creek Township
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