Sold
434 N River Road, Saginaw, MI 48609
Sold on 07/08/2026 for$234,000
MLS # 50209171 (MiRealSource)
4 beds2 bathsBuilt 19540.22 acres
1 / 34
Listing Description
If you’re looking for peace of mind, thoughtfully designed updates with modern appeal, this beautiful 4 bedroom, 2.5 bath home located in the heart of Thomas Township is the one for you. Offering approximately 1,800 square feet of living space, every major update has already been completed so you can move right in and simply enjoy your new home. Inside, you’ll find a warm and inviting layout featuring a tastefully renovated kitchen complete with stunning quartz countertops, generous island for gathering, brand new stainless steel appliances, and modern finishes throughout. With a spacious formal dining room, convenient first floor laundry, and a full bath on each level, this home boasts easy, everyday living. The spacious primary suite is a true private escape offering a large ensuite bath complete with a spa jetted tub, walk in shower, water closet, and generous walk in closet. Enjoy your morning coffee this summer on the backyard deck overlooking the expansive fully fenced backyard. Extensive updates include a brand new roof and gutters in 2025, new furnace, AC, and water tank in 2021, upgraded electrical, and vinyl windows installed in 2010. From top to bottom, this home has been thoughtfully updated offering true worry free living for years to come.
Source: SparkMLS
About this home
4-bedroom, 2-bath home in Thomas Township in Saginaw built in 1954.
Closed at $234,000.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms2
Lot Size0.22 acres
Year Built1954
Location
CitySaginaw
MunicipalityThomas Twp
Zip Code48609
CountySaginaw
School DistrictSwan Valley
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
Garage1 space
HeatingForced Air
SewerPublic
Sale & Financing
Listed5/27/2026
Sold Date7/7/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Parcel #28-12-4-30-2153-000
Source: SparkMLS
Legal Description
LOT 23 WEGNERS SUB-DIV. SEC 30 T12N R4E
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Jenna Bader
Berkshire Hathaway HomeServices
Frequently Asked Questions about 434 N River Road, Saginaw, MI 48609
What school district is 434 N River Road, Saginaw, MI 48609 in?
Per MLS# 50209171, this property is served by Swan Valley. 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# 50209171, 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 434 N River Road, Saginaw, MI 48609 eligible for USDA financing?
Per USDA Rural Development boundary data, 434 N River Road, Saginaw, MI 48609 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, 434 N River Road, Saginaw, MI 48609 is in flood zone AE (high risk). Flood insurance is required for federally-backed mortgages in this zone. 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: 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 Thomas Twp police department or the Saginaw County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$1,524
Principal & interest$1,524
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
434 N River Road, Saginaw, MI 48609
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Municipality
Thomas Township
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