For Sale
1944 E Lake Circle Drive, Saginaw, MI 48609
$549,900
MLS # 50213697 (MiRealSource)
3 beds3 bathsBuilt 19920.83 acres
1 / 55
Listing Description
Welcome home to this immaculate Lake Cecil residence offering more than 2,700 sqft. The main floor features generous living areas, kitchen, laundry, 2 bedrooms, and seamless flow to outdoor entertaining spaces framed by beautifully maintained landscaping. The second floor offers an open loft arae, and primary suite that is a true retreat with a spacious bathroom, walk-in closets, and a private balcony. The fully finished basement adds versatile square footage—perfect for a media room, gym, playroom, or guest suite. Additional highlights include a built-in stand-up tanner for at-home convenience and a whole-house generator for reliable backup power. Park with ease in the attached three-car garage and enjoy the peaceful Lake Cecil setting.
Source: SparkMLS
About this home
3-bedroom, 3-bath home in Thomas Township in Saginaw built in 1992.
Asking $549,900.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms3
Lot Size0.83 acres
Year Built1992
Location
CitySaginaw
MunicipalityThomas Twp
Zip Code48609
CountySaginaw
School DistrictHemlock
Construction & Systems
ConstructionBrick, Vinyl Siding
Garage3 spaces
HeatingForced Air
SewerSeptic Tank
InteriorCeiling Fan(s)
Sale & Financing
Listed7/2/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Parcel #28-12-3-32-4002-030
Source: SparkMLS
Legal Description
LOT 30 DUDE ESTATES PART OF SE 1/4 OF SEC 32 THOMAS TOWNSHIP, SAGINAW COUNTY, MICHIGAN SEC 32 T12N 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 Jodie Bow
Century 21 Signature Realty
Frequently Asked Questions about 1944 E Lake Circle Drive, Saginaw, MI 48609
Which school district serves 1944 E Lake Circle Drive, Saginaw, MI 48609?
Per MLS# 50213697, 1944 E Lake Circle Drive, Saginaw, MI 48609 is in the Hemlock boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Hemlock directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 50213697, 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, 1944 E Lake Circle Drive, Saginaw, MI 48609 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 1944 E Lake Circle Drive, Saginaw, MI 48609 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 1944 E Lake Circle Drive, Saginaw, MI 48609?
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 Thomas Twp police department or the Saginaw County sheriff's office.
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Monthly payment$3,567
Principal & interest$3,567
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
1944 E Lake Circle Drive, Saginaw, MI 48609
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Municipality
Thomas Township
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