For Sale
3236 Elm Street, Saginaw, MI 48604
$129,900
MLS # 50212236 (MiRealSource)
4 beds1 bathBuilt 18900.34 acres
1 / 26
Listing Description
Dreaming of a neighborhood setting with the feel of country living? This 4-bedroom, 1.5-bath home offers the best of both worlds! Tucked against a wooded backdrop, the backyard feels like your own private retreat—perfect for summer ball games, evenings around the pool, or relaxing on the porch. Inside, you'll find a flexible layout with 2 bedrooms on the main floor and 2 upstairs, along with living spaces on both levels to give everyone room to spread out. Natural hardwood floors lie beneath the current flooring, just waiting to be uncovered and restored to their original beauty. Major updates include a roof replaced in 2019, a new furnace and HWH in 2024. To help make this home your own, the seller is also offering a $2,000 flooring credit at closing. Don't miss your chance to enjoy peaceful surroundings while still having all the benefits of neighborhood living!
Source: SparkMLS
About this home
4-bedroom, 1-bath home in Carrollton Township in Saginaw built in 1890.
Listed at $129,900.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms1
Lot Size0.34 acres
Year Built1890
Location
CitySaginaw
MunicipalityCarrollton Twp
Zip Code48604
CountySaginaw
School DistrictCarrollton
Construction & Systems
ConstructionAluminum Siding
BasementCrawl Space
Garage1.5 spaces
HeatingForced Air
SewerPublic
InteriorCeiling Fan(s)
Sale & Financing
Listed6/21/2026
Terms AcceptedCash, Conventional, FHA, MSHDA, VA Loan
Source: SparkMLS
Tax Information
Parcel #11124052600000
Source: SparkMLS
Legal Description
N 1/2 LOT 2 BLK 4 WINTERS ADDN TO CARROLLTON SEC 12 T12N R4E
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Stephanie Filer
Real Estate One Great Lakes Bay
Frequently Asked Questions about 3236 Elm Street, Saginaw, MI 48604
Which school district serves 3236 Elm Street, Saginaw, MI 48604?
Per MLS# 50212236, 3236 Elm Street, Saginaw, MI 48604 is in the Carrollton boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Carrollton directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 50212236, this listing accepts Cash, Conventional, FHA, MSHDA, 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, 3236 Elm Street, Saginaw, MI 48604 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.
Is 3236 Elm Street, Saginaw, MI 48604 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 3236 Elm Street, Saginaw, MI 48604?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: 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 Carrollton Twp police department or the Saginaw County sheriff's office.
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Monthly payment$843
Principal & interest$843
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
3236 Elm Street, Saginaw, MI 48604
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Municipality
Carrollton Township
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