For Sale
200 N River Road, Saginaw, MI 48609
$219,900
MLS # 20261017791 (Realcomp)
4 beds1 bath2,109 sqftBuilt 19470.55 acres
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Listing Description
Welcome to your beautifully updated, move-in ready home in highly desirable Thomas Township! Offering over 2,100 sq ft of living space, this home combines comfort, style, and room to grow—all in a sought-after location. Step inside to find vaulted ceilings that create an open, airy feel, along with multiple living spaces filled with natural light, perfect for relaxing or entertaining. The kitchen offers ample cabinet and counter space and is centrally located for easy everyday living. Generously sized bedrooms provide flexibility for family, guests, or a home office. Spacious family room ideal for movie nights and gatherings, complete with a projector and screen that stay with the home, along with a great bonus loft area above - perfect for a playroom, office, or additional lounge space. Throughout the home, you’ll appreciate the inviting updates. Enjoy the added value of a double parcel, with the sale including the lot to the north - bringing the total property size to approximately 0.55 acres. The spacious yard offers endless possibilities for outdoor living, gardening, or future expansion. Located in Thomas Township, you’ll love the convenience of being close to shopping, dining, schools, and major roadways while still enjoying a peaceful setting. Near Day Park and the scenic Thomas Township Nature Center & Preserve, with quick access to walking trails, green space, and nearby riverfront recreation along the Tittabawassee River. Don’t miss your opportunity to own this unique property - Come experience the space and potential for yourself, your next chapter starts here!
Source: SparkMLS
About this home
This 4-bedroom, 1-bath, 2,109 sq ft home built in 1947 sits in Thomas Township in Saginaw.
Asking $219,900 (about $104/sq ft).
Estimated annual property tax: $2,628, or about $219 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms1
Living Area2,109 sqft
Lot Size0.55 acres
Year Built1947
Stories2
Location
CitySaginaw
MunicipalityThomas Twp
Zip Code48609
CountySaginaw
School DistrictSwan Valley
Construction & Systems
ConstructionVinyl Siding
BasementSlab
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed3/18/2026
Original Price$222,000
Terms AcceptedCash, Conventional, FHA
Source: SparkMLS
Tax Information
Annual Tax$2,628
Parcel #28124302101000
Source: SparkMLS
Legal Description
LOT 1. LEAMAN-TRINKLEIN SUB-DIV. SEC 30 T12N R4E
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 Crystal Hines
Red Fox Realty LLC
Frequently Asked Questions about 200 N River Road, Saginaw, MI 48609
What school district is 200 N River Road, Saginaw, MI 48609 in?
Per MLS# 20261017791, 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 200 N River Road, Saginaw, MI 48609?
Per MLS# 20261017791, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20261017791, the most recent reported annual property tax for 200 N River Road, Saginaw, MI 48609 is $2,628. Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 200 N River Road, Saginaw, MI 48609 eligible for USDA financing?
Per USDA Rural Development boundary data, 200 N 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, 200 N 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. Water: Public. Confirm service details directly with providers.
How safe is 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$1,426
Principal & interest$1,426
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
200 N River Road, Saginaw, MI 48609
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Municipality
Thomas Township
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