Sold
12675 Spencer Road, Hemlock, MI 48626
Sold on 04/10/2025 for$288,900
MLS # 50165131 (MiRealSource)
2 beds2 baths1,512 sqftBuilt 19794.23 acres
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Listing Description
Are you looking for some privacy? What about a few acres and a pond? This home has what you are looking for. This is ready for you to move in with all of the updates done. All appliances will stay. The laundry has been moved to the main floor but can be put back down into the full basement. Newer Furnace and Generac where install in 2022. Nice deck in back, fenced yard to watch all the wildlife.
Source: SparkMLS
About this home
Located in Swan Creek Township in Hemlock, this property offers 2-bedroom, 2-bath, 1,512 sq ft, with original construction dating to 1979.
Final sale price: $288,900 (about $191/sq ft).
Electric service is provided by Consumers Energy Company. Broadband is available with download speeds up to 1,000 Mbps from 5 providers.
Tour
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms2
Living Area1,512 sqft
Lot Size4.23 acres
Year Built1979
Location
CityHemlock
MunicipalityRichland Twp
Zip Code48626
CountySaginaw
School DistrictSt. Charles Community Schools
Construction & Systems
ConstructionVinyl Siding
Garage2 spaces
SewerSeptic Tank
InteriorCeiling Fan(s)
Sale & Financing
Listed1/22/2025
Sold Date4/9/2025
Original Price$319,900
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 Annie Houlihan
Berkshire Hathaway HomeServices
Frequently Asked Questions about 12675 Spencer Road, Hemlock, MI 48626
Which school district serves 12675 Spencer Road, Hemlock, MI 48626?
Per MLS# 50165131, 12675 Spencer Road, Hemlock, MI 48626 is in the St. Charles Community Schools boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact St. Charles Community Schools directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 50165131, 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, 12675 Spencer Road, Hemlock, MI 48626 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 12675 Spencer Road, Hemlock, MI 48626 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 12675 Spencer Road, Hemlock, MI 48626. The maximum advertised download speed is 1.0 Gbps. 5 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 12675 Spencer Road, Hemlock, MI 48626?
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 Richland Twp police department or the Saginaw County sheriff's office.
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Mortgage Calculator
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Monthly payment$1,939
Principal & interest$1,939
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
12675 Spencer Road, Hemlock, MI 48626
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Municipality
Swan Creek Township
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