Sold
1685 S River Road, Saginaw, MI 48609
Sold on 05/18/2026 for$205,000
MLS # 50204393 (MiRealSource)
3 beds1 bathBuilt 19560.9 acres
1 / 27
Listing Description
This charming 3-bedroom, 1.5-bath home has everything you’ve been waiting for—an updated kitchen that opens into a welcoming living room, a partially finished basement for extra space, and a two-car garage. Sitting on a full acre, there’s plenty of room to enjoy the outdoors too. Don’t wait—this one is practically shouting “buy me before your friend does!” ?? Message me for details or to schedule a showing!
Source: SparkMLS
About this home
Located in James Township in Saginaw, this property offers 3-bedroom, 1-bath, with original construction dating to 1956.
Closed at $205,000.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Lot Size0.9 acres
Year Built1956
Location
CitySaginaw
MunicipalitySwan Creek Twp
Zip Code48609
CountySaginaw
School DistrictSwan Valley
Construction & Systems
ConstructionBrick
Garage2.5 spaces
HeatingForced Air
SewerPublic
Sale & Financing
Listed4/14/2026
Sold Date5/17/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Dave Wieland
RE/MAX New Image
Frequently Asked Questions about 1685 S River Road, Saginaw, MI 48609
What school district is 1685 S River Road, Saginaw, MI 48609 in?
Per MLS# 50204393, this property is served by Swan Valley. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 1685 S River Road, Saginaw, MI 48609?
Per MLS# 50204393, 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 1685 S River Road, Saginaw, MI 48609 eligible for USDA financing?
Per USDA Rural Development boundary data, 1685 S River Road, Saginaw, MI 48609 is not in an eligible area. USDA eligibility is based on property location — properties within designated urban zones are excluded. Other low-down-payment options (FHA, VA) may still be available.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 1685 S River Road, Saginaw, MI 48609 is in flood zone AE (high risk). 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.
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: Public. Confirm service details directly with providers.
How safe is 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$1,199
Principal & interest$1,199
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
1685 S River Road, Saginaw, MI 48609
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Municipality
James Township
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