For Sale
21403 Swan Creek Road, Merrill, MI 48637
$425,000
MLS # 1944358 (Northern Great Lakes REALTORS® MLS)
3 beds2 bathsBuilt 196511.75 acres
1 / 68
Listing Description
This home checks all the boxes! 3 bedrooms, 2.5 baths on 11.75 beautiful acres. Pond, new pole barn, additional barn, 7 acres approximately of woods, terrific hunting! You can even get morel mushrooms on the property too! 5 car attached garage with a professional smoker with stove for smoke safety first! Sprinkler system with fire alarms too! There is a beautiful, stocked pond with a gazebo to sit back and enjoy. 3 gracious sized bedrooms with a primary bath. Granite countertops in the kitchen with an island. This home has had the same owners for over 50 years. Come take a look and you will understand why it has so much to offer!
Source: SparkMLS
About this home
This 3-bedroom, 2-bath home built in 1965 sits in Lakefield Township in Merrill.
Currently offered at $425,000.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Lot Size11.75 acres
Year Built1965
Stories1
Location
CityMerrill
Zip Code48637
CountySaginaw
Construction & Systems
BasementCrawl Space
HeatingHot Water
WaterPrivate Water
Sale & Financing
Listed4/27/2026
Original Price$475,000
Terms AcceptedCash, Conventional, FHA, MSHDA
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 Pam R Hubbard
43 NORTH REALTY
Frequently Asked Questions about 21403 Swan Creek Road, Merrill, MI 48637
What financing options are available for 21403 Swan Creek Road, Merrill, MI 48637?
Per MLS# 1944358, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, MSHDA. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
Is 21403 Swan Creek Road, Merrill, MI 48637 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 21403 Swan Creek Road, Merrill, MI 48637 is in flood zone X (minimal risk). 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.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Water: Private Water. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the local police department or county sheriff's office.
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Monthly payment$2,757
Principal & interest$2,757
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
21403 Swan Creek Road, Merrill, MI 48637
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Municipality
Lakefield Township
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