Sold

215 SPRUCE, Saint Charles, MI 48655

Sold on 06/21/2005 for$30,000

MLS # 20062747 (MiRealSource)

3 beds2 baths1,120 sqftBuilt 19910.2 acres

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Listing Description

REO property to be sold in 'As is' conditin. Modular home with 3 bdrms and 2 baths. In need of repair.

Source: SparkMLS

About this home

Located in St Charles Village in Saint Charles, this property offers 3-bedroom, 2-bath, 1,120 sq ft, with original construction dating to 1991.

Closed at $30,000 (about $27/sq ft).

Broadband is available with download speeds up to 1,000 Mbps from 7 providers. Electric service is provided by Consumers Energy Company.

Listing Property Details

Property TypeResidential

Bedrooms3

Bathrooms2

Living Area1,120 sqft

Lot Size0.2 acres

Year Built1991

Location

CitySaint Charles

MunicipalitySt Charles Twp

Zip Code48655

CountySaginaw

School DistrictSt. Charles Community Schools

Construction & Systems

BasementCrawl Space

HeatingForced Air

SewerPublic

Sale & Financing

Listed5/5/2005

Sold Date6/20/2005

Terms AcceptedCash, Conventional

Source: SparkMLS

Property Records

FEMA Flood Zone: Zone X — Minimal flood risk

Source: FEMA NFHL

USDA Rural Development: Eligible — 0% Down Payment Available

Verify eligibility at USDA

Listed by MiRS STAFF

MiRealSource Michigan MLS

Frequently Asked Questions about 215 SPRUCE, Saint Charles, MI 48655

What school district is 215 SPRUCE, Saint Charles, MI 48655 in?

Per MLS# 20062747, this property is served by St. Charles Community Schools. In Michigan, school district boundaries are set by the state and do not always follow city limits.

Can I use FHA or VA financing for this property?

Per MLS# 20062747, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.

Is 215 SPRUCE, Saint Charles, MI 48655 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.

USDA Eligibility Map

What is the FEMA flood zone designation for this property?

Per FEMA's National Flood Hazard Layer, 215 SPRUCE, Saint Charles, MI 48655 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.

FEMA Flood Map

Is fiber internet available at 215 SPRUCE, Saint Charles, MI 48655?

Per FCC Broadband Data Collection filings, fiber internet is not currently available at 215 SPRUCE, Saint Charles, MI 48655. The maximum advertised download speed is 1.0 Gbps. 7 internet providers serve this address. Confirm availability and speeds directly with providers.

FCC Broadband Map

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.

Consumers Energy Company Consumers Energy Company MI Public Service Commission

How safe is this area?

For crime and public safety data, we recommend inquiring directly with the St Charles Twp police department or the Saginaw County sheriff's office.

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Purchase Price

Interest Rate

Loan Term

Annual Property Taxes

Annual Homeowner's Insurance

Monthly HOA

Monthly payment$227

Principal & interest$227

Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.

Internet

Download

1 Gbps

Upload

35 Mbps

CableLicensed Fixed WirelessGSO SatelliteSatelliteDSL

7 providers at this address

SpectrumCable

1 Gbps

VerizonLicensed Fixed Wireless

300 Mbps

StarlinkGSO Satellite

280 Mbps

Viasat IncSatellite

100 Mbps

HughesNetSatellite

50 Mbps

AT&TDSL

10 Mbps

T-MobileLicensed Fixed Wireless

0 Mbps

FCC Broadband Data Collection (Dec 2025). Max advertised speeds.

Utilities

Consumers Energy Company

Investor-Owned

800-477-5050 Web

Consumers Energy Company

Investor-Owned

800-477-5050 Web

MI Public Service Commission service territory boundaries.

Property

215 SPRUCE, Saint Charles, MI 48655

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Municipality

St Charles Village

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About this home

Located in St Charles Village in Saint Charles, this property offers 3-bedroom, 2-bath, 1,120 sq ft, with original construction dating to 1991.

Closed at $30,000 (about $27/sq ft).

Broadband is available with download speeds up to 1,000 Mbps from 7 providers. Electric service is provided by Consumers Energy Company.

Listing Property Details

Property TypeResidential

Bedrooms3

Bathrooms2

Living Area1,120 sqft

Lot Size0.2 acres

Year Built1991

Location

CitySaint Charles

MunicipalitySt Charles Twp

Zip Code48655

CountySaginaw

School DistrictSt. Charles Community Schools

Construction & Systems

BasementCrawl Space

HeatingForced Air

SewerPublic

Sale & Financing

Listed5/5/2005

Sold Date6/20/2005

Terms AcceptedCash, Conventional

Source: SparkMLS

Frequently Asked Questions about 215 SPRUCE, Saint Charles, MI 48655

What school district is 215 SPRUCE, Saint Charles, MI 48655 in?

Per MLS# 20062747, this property is served by St. Charles Community Schools. In Michigan, school district boundaries are set by the state and do not always follow city limits.

Can I use FHA or VA financing for this property?

Per MLS# 20062747, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.

Is 215 SPRUCE, Saint Charles, MI 48655 eligible for USDA financing?

USDA Eligibility Map

What is the FEMA flood zone designation for this property?

FEMA Flood Map

Is fiber internet available at 215 SPRUCE, Saint Charles, MI 48655?

FCC Broadband Map

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.

Consumers Energy Company Consumers Energy Company MI Public Service Commission

How safe is this area?

For crime and public safety data, we recommend inquiring directly with the St Charles Twp police department or the Saginaw County sheriff's office.