Sold
3645 W Surrey Lane, MI 48059
Sold on 06/05/2026 for$289,900
MLS # 50205262 (MiRealSource)
3 beds1 bathBuilt 19660.24 acres
1 / 30
Listing Description
Welcome to 3645 W Surrey Ln, located in the Old Farm Subdivision! From the updated kitchen with maple cabinetry and quartz countertops to the sunroom overlooking a tree-lined yard, this tri-level home offers a great blend of style and functionality. This inviting home features 3 bedrooms, 1.5 bathrooms, and a thoughtfully designed layout with multiple living spaces. Luxury vinyl flooring spans the main level, creating a fresh and cohesive feel, while the main bathroom showcases marble flooring and was remodeled in 2020. A roof replacement in 2019 adds additional value and peace of mind. The tri-level layout provides flexibility for everyday living, entertaining, or simply having room to spread out, with additional space ready for your personal touch. Outside, the setting truly stands out—mature trees surround the property, creating a peaceful, natural backdrop. Situated on a double lot, there’s plenty of space to enjoy the outdoors. A 12x40 shed offers excellent storage or workspace, and the whole-home Generac generator adds convenience and reliability year-round. Complete with a 2-car garage and conveniently located near everyday amenities, this home combines thoughtful updates, space, and a beautiful setting.
Source: SparkMLS
About this home
Located in Fort Gratiot Township in Michigan, this property offers 3-bedroom, 1-bath, with original construction dating to 1966.
Final sale price: $289,900.
Electric service is provided by DTE Electric Company; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Lot Size0.24 acres
Year Built1966
Location
Zip Code48059
CountySt. Clair
School DistrictPort Huron
Construction & Systems
BasementCrawl Space
Garage2 spaces
HeatingForced Air
SewerPublic
Sale & Financing
Listed4/22/2026
Sold Date6/4/2026
Original Price$299,900
Terms AcceptedCash, Conventional, FHA
Source: SparkMLS
Tax Information
Parcel #74205860006000
Source: SparkMLS
Legal Description
LOTS 22 & 23 PLAT NO 2 OF THE OLD FARM SUBDIVISION AS RECORDED IN LIBER 65 OF PLATS PG 5 ST CLAIR COUNTY REGISTER OF DEEDS
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Shaneh Shuler-Sanchez
Epique Inc.
Frequently Asked Questions about 3645 W Surrey Lane, MI 48059
What school district is 3645 W Surrey Lane, MI 48059 in?
Per MLS# 50205262, this property is served by Port Huron. 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# 50205262, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
Is 3645 W Surrey Lane, MI 48059 eligible for USDA financing?
Per USDA Rural Development boundary data, 3645 W Surrey Lane, MI 48059 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.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 3645 W Surrey Lane, MI 48059 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: DTE Electric Company. Gas: SEMCO Energy Gas Company. Sewer: Public. 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$1,880
Principal & interest$1,880
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
DTE Electric Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
3645 W Surrey Lane, MI 48059
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Municipality
Fort Gratiot Township
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