Sold
420 W spruce Road, Saint Charles, MI 48655
Sold on 06/27/2025 for$210,000
MLS # 50173945 (MiRealSource)
3 beds1 bath1,488 sqftBuilt 19621.3 acres
1 / 54
Listing Description
nice 3 bed ranch home almost 1500 square ft vinyl and stone siding, stamped concrete patio, central air ,newer roof and windows and hot water heater lots of money and care was put into this home , house sits high on a hill almost 100ft off of road with some newer cement work leaf filter on gutters with transferable warranty new 30 x 32 garage with additional 23 x 22 garage for toys and big shed 1.3 acre lot
Source: SparkMLS
About this home
3-bedroom, 1-bath, 1,488 sq ft home in St Charles Village in Saint Charles built in 1962.
Closed at $210,000 (about $141/sq ft).
Broadband is available with download speeds up to 1,000 Mbps from 7 providers. Electric service is provided by Consumers Energy Company.
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Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Living Area1,488 sqft
Lot Size1.3 acres
Year Built1962
Location
CitySaint Charles
MunicipalitySt Charles Twp
Zip Code48655
CountySaginaw
School DistrictSt. Charles Community Schools
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
SewerPublic
Sale & Financing
Listed5/7/2025
Sold Date6/26/2025
Original Price$214,900
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 Steven Hatch
Century 21 Signature Realty
Frequently Asked Questions about 420 W spruce Road, Saint Charles, MI 48655
What school district is 420 W spruce Road, Saint Charles, MI 48655 in?
Per MLS# 50173945, 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.
What financing options are available for 420 W spruce Road, Saint Charles, MI 48655?
Per MLS# 50173945, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, VA Loan. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
Is 420 W spruce Road, 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.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 420 W spruce Road, 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.
Is fiber internet available at 420 W spruce Road, Saint Charles, MI 48655?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 420 W spruce Road, 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.
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.
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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Monthly payment$1,361
Principal & interest$1,361
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
420 W spruce Road, Saint Charles, MI 48655
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Municipality
St Charles Village
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