For Sale
320 Lutzke Road, Saginaw, MI 48609
$69,000
MLS # 26004528 (Michigan Regional Information Center (MichRIC))
4 beds2 baths1,727 sqftBuilt 19100.64 acres
1 / 53
Listing Description
This single-family property offers a solid opportunity for investors seeking long-term rental potential or value-add upside. Built in 1910, the home features 3 bedrooms and 2 bathrooms across a spacious living space, providing a functional layout suitable for a variety of renovation approaches. The property sits on an oversized 0.64-acre lot, offering more than half an acre of land, which is a notable feature for this area and adds long-term appeal. The age and size of the home allow for flexibility in updating while preserving character. The lot size provides additional options for outdoor use, storage, or future improvements, subject to local approvals. Located in Saginaw, Michigan, the property is positioned within an established area with existing housing stock and long-term rental demand.
Source: SparkMLS
About this home
4-bedroom, 2-bath, 1,727 sq ft home in Thomas Township in Saginaw built in 1910.
Listed at $69,000 (about $40/sq ft).
Property tax estimate: $549 per year ($46/month). 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. Broadband is available with download speeds up to 1,000 Mbps from 7 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms2
Living Area1,727 sqft
Lot Size0.64 acres
Year Built1910
Stories2
Location
CitySaginaw
MunicipalityThomas Twp
Zip Code48609
CountySaginaw
School DistrictSwan Valley
Construction & Systems
StyleTraditional
ConstructionWood Siding
BasementOther
Garage2 spaces
HeatingNone
WaterPublic
SewerPublic
Sale & Financing
Listed2/6/2026
Original Price$76,800
Terms AcceptedCash
Source: SparkMLS
Tax Information
Annual Tax$549
Tax Year2025
Assessed Value$50,136
Parcel #28123254044000
Source: SparkMLS
Legal Description
S 85 FT OF N 895 FT OF W 330 FT OF SE 1/4 - 0.65 ACRE SEC 25 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 Charles Campbell
ListWithFreedom.com
Frequently Asked Questions about 320 Lutzke Road, Saginaw, MI 48609
Which school district serves 320 Lutzke Road, Saginaw, MI 48609?
Per MLS# 26004528, 320 Lutzke Road, Saginaw, MI 48609 is in the Swan Valley boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Swan Valley directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 26004528, this listing accepts Cash financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 320 Lutzke Road, Saginaw, MI 48609?
Per public tax records, annual property taxes for this property are $549 (2025). 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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 320 Lutzke Road, 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 320 Lutzke Road, 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 320 Lutzke Road, Saginaw, MI 48609. The maximum advertised download speed is 1.0 Gbps. 7 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 320 Lutzke Road, Saginaw, MI 48609?
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.
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.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$448
Principal & interest$448
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
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
320 Lutzke Road, Saginaw, MI 48609
View full property history →
Municipality
Thomas Township
View all listings →
Get email alerts for new listings near 320 Lutzke Road
We'll notify you when something hits the market in Thomas Township or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.