For Sale
3405 S Miller Road, Saginaw, MI 48609
$320,000
MLS # 50208593 (MiRealSource)
4 beds3 bathsBuilt 19100.66 acres
1 / 66
Listing Description
Welcome to your dream country retreat in the highly desirable Swan Valley School District! Nestled on a beautiful 1-acre lot with no rear neighbors, this stunning farmhouse-style home offers the perfect blend of charm, space, and privacy. Relax on the grand wrap-around porch and enjoy peaceful country living with room to roam. Inside, you’ll find a spacious and beautifully maintained home featuring a main floor primary bedroom, two upstairs bedrooms, plus a private bonus 4th bedroom above the garage with its own staircase—perfect for guests, a home office, or flex space. The kitchen boasts an abundance of countertop space ideal for cooking and entertaining, while two sliding glass doors lead out to a breathtaking backyard setting. Complete with a 2.5-car attached garage plus an additional 2-car garage for extra storage, hobbies, or workshop space, this property truly has it all!
Source: SparkMLS
About this home
This 4-bedroom, 3-bath home built in 1910 sits in James Township in Saginaw.
Currently offered at $320,000.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Lot Size0.66 acres
Year Built1910
Location
CitySaginaw
MunicipalityJames Twp
Zip Code48609
CountySaginaw
School DistrictSwan Valley
Construction & Systems
ConstructionAluminum Siding, Vinyl Siding
BasementCrawl Space
Garage4 spaces
HeatingForced Air
SewerSeptic Tank
InteriorCeiling Fan(s)
Sale & Financing
Listed5/21/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
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 Monique Gilbert
Keller Williams Preferred
Frequently Asked Questions about 3405 S Miller Road, Saginaw, MI 48609
Which school district serves 3405 S Miller Road, Saginaw, MI 48609?
Per MLS# 50208593, 3405 S Miller 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# 50208593, this listing accepts Cash, Conventional, FHA, 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, 3405 S Miller 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 3405 S Miller 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 utilities serve 3405 S Miller Road, Saginaw, MI 48609?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: Septic Tank. 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 James Twp police department or the Saginaw County sheriff's office.
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Monthly payment$2,076
Principal & interest$2,076
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
3405 S Miller Road, Saginaw, MI 48609
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Municipality
James Township
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