Sold
12465 Fergus Road, Saint Charles, MI 48655
Sold on 05/11/2026 for$475,000
MLS # 50200453 (MiRealSource)
2 beds1 bathBuilt 202221.36 acres
1 / 25
Listing Description
ADDITIONAL LAND INCLUDED - Stunning New Construction on a Massive Sand Ridge, Huge Private Spring Fed Pond, 21.36 Acres, Gourmet Kitchen with Stainless Appliances, Quartz Counter Tops and Spacious Breakfast Island, Amazing 20' Ceilings Thru-Out, Heated 5-inch Thick Concrete Foundation (separate thermostats for home and barn), 55' long, 15' wide Covered Wrap Around Patio with Sandy Beach Just Steps Away. Peace & Tranquility Are Waiting For You - Escape, Relax & Recharge!! ***for aerial view, go to Realtor.com and click on "Fly Around" ***
Source: SparkMLS
About this home
2-bedroom, 1-bath home in St Charles Township in Saint Charles built in 2022.
This home sold for $475,000.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Lot Size21.36 acres
Year Built2022
Location
CitySaint Charles
MunicipalitySt Charles Twp
Zip Code48655
CountySaginaw
School DistrictChesaning Union
Construction & Systems
BasementSlab
Garage4 spaces
HeatingHot Water
SewerSeptic Tank
InteriorCeiling Fan(s)
Sale & Financing
Listed3/1/2026
Sold Date5/10/2026
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 Joe Harris
EXP Realty
Frequently Asked Questions about 12465 Fergus Road, Saint Charles, MI 48655
Which school district serves 12465 Fergus Road, Saint Charles, MI 48655?
Per MLS# 50200453, 12465 Fergus Road, Saint Charles, MI 48655 is in the Chesaning Union boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Chesaning Union directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 50200453, 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, 12465 Fergus 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 12465 Fergus 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 12465 Fergus 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 St Charles Twp police department or the Saginaw County sheriff's office.
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Monthly payment$3,405
Principal & interest$3,405
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
12465 Fergus Road, Saint Charles, MI 48655
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Municipality
St Charles Township
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