For Sale
4365 Jo Drive, Saginaw, MI 48601
$147,000
MLS # 20261038592 (Realcomp)
3 beds2 baths1,937 sqftBuilt 19600.31 acres
1 / 40
Listing Description
Welcome to this beautiful all-brick home, offering 3 bedrooms, 1.5 bathrooms, and an attached garage in Spaulding Township, Saginaw County. This property provides both comfort and accessibility, as it's conveniently located about 20 minutes from Frankenmuth, MI.Significant updates include a new roof installed in December 2025, a newer furnace, gutters equipped with gutter guards and other enhancements throughout—providing added value for future homeowners.Home features a spacious basement and a generous backyard, presenting excellent opportunities for entertaining and outdoor enjoyment. Included with the sale are the refrigerator, stove/oven, and microwave, allowing for a seamless move-in experience. Seller is a licensed real estate agent.
Source: SparkMLS
About this home
3-bedroom, 2-bath, 1,937 sq ft home in Spaulding Township in Saginaw built in 1960.
Currently offered at $147,000 (about $76/sq ft).
Annual property taxes run approximately $2,441 ($203/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,937 sqft
Lot Size0.31 acres
Year Built1960
Stories1
Location
CitySaginaw
MunicipalitySpaulding Twp
Zip Code48601
CountySaginaw
School DistrictBridgeport-Spaulding
Construction & Systems
ConstructionBrick
BasementPartial
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorBasement Partially Finished
Sale & Financing
Listed5/27/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$2,441
Parcel #25114121124000
Source: SparkMLS
Legal Description
LOT 24 YURCSO SUBDIVISION A PART OF THE E 1/2 OF THE NE 1/4 SEC 12 T11N R4E
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 Lydia Joy
Century 21 Professionals Clinton Twp
Frequently Asked Questions about 4365 Jo Drive, Saginaw, MI 48601
Which school district serves 4365 Jo Drive, Saginaw, MI 48601?
Per MLS# 20261038592, 4365 Jo Drive, Saginaw, MI 48601 is in the Bridgeport-Spaulding boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Bridgeport-Spaulding directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 20261038592, 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.
What are the property taxes at 4365 Jo Drive, Saginaw, MI 48601?
Per public tax records, annual property taxes for this property are $2,441. Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 4365 Jo Drive, Saginaw, MI 48601 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 4365 Jo Drive, Saginaw, MI 48601 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 4365 Jo Drive, Saginaw, MI 48601?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: Public. Water: 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 Spaulding Twp police department or the Saginaw County sheriff's office.
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Monthly payment$953
Principal & interest$953
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
4365 Jo Drive, Saginaw, MI 48601
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Municipality
Spaulding Township
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