Sold
45 Mill Street, Saranac, MI 48881
Sold on 05/14/2026 for$269,000
MLS # 26015343 (Michigan Regional Information Center (MichRIC))
2 beds2 baths1,688 sqftBuilt 19640.26 acres
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Listing Description
You want to make sure to get inside this Roomy Ranch. You'll be pleasantly surprised how big the rooms are. When entering the front door, there's an entry with a glass partition to the living area to the right (very cool) and to the left is a sunny sitting area, Kitchen with loads of cupboard and counter space (appliances included), a Dining Area with a gas fireplace and a very large living area. Off the Living Area is a slider out to an enclosed Sun Porch with access to the patio and backyard. The primary bedroom has a decent amount of closet space and full bath. The lower level you'll find a rec room with another fireplace (wood). You could put in a third bedroom by adding an egress window. There are two furnaces - boiler system for heat that was just serviced and another forced air used for Central-Air. A lot of storage space. Outside is a large, fenced backyard and has underground sprinkling. Convenient location close to schools and downtown Saranac
Source: SparkMLS
About this home
2-bedroom, 2-bath, 1,688 sq ft home in Saranac Village in Saranac built in 1964.
Final sale price: $269,000 (about $159/sq ft).
Annual property taxes run approximately $3,608 ($301/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
Bedrooms2
Bathrooms2
Living Area1,688 sqft
Lot Size0.26 acres
Year Built1964
Stories1
Location
CitySaranac
MunicipalitySaranac Vlg-BstnTwp
Zip Code48881
CountyIonia
School DistrictSaranac
Construction & Systems
StyleRanch
ConstructionWood Siding
BasementFull
Garage1 space
HeatingHot Water
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, Cable Connected, Storm Sewer, High-Speed Internet
InteriorGarage Door Opener, Pantry
Sale & Financing
Listed4/13/2026
Sold Date5/13/2026
Terms AcceptedFHA, Rural Development, MSHDA, Conventional
Concessions$2,000
Source: SparkMLS
Tax Information
Annual Tax$3,608
Tax Year2025
Assessed Value$82,865
Parcel #34-021-012-000-544-28
Source: SparkMLS
Legal Description
VILLAGE OF SARANAC LOT 109 & E 12.75FT OF LOT 110 SEC 12 T6N R8W BOSTON TWP, IONIA COUNTY, MICHIGAN SPLIT ON 11/03/2004 FROM 021-012-000-544-29;
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 Jayne M Overbeck
Five Star Real Estate (Ada)
Frequently Asked Questions about 45 Mill Street, Saranac, MI 48881
What school district is 45 Mill Street, Saranac, MI 48881 in?
Per MLS# 26015343, this property is served by Saranac. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26015343, the seller has indicated this property accepts the following financing types: FHA, Rural Development, MSHDA, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26015343, the most recent reported annual property tax for 45 Mill Street, Saranac, MI 48881 is $3,608 (2025). 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.
Is 45 Mill Street, Saranac, MI 48881 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, 45 Mill Street, Saranac, MI 48881 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: Consumers Energy Company. Gas: Consumers Energy Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Saranac Vlg-BstnTwp police department or the Ionia County sheriff's office.
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Monthly payment$1,745
Principal & interest$1,745
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
45 Mill Street, Saranac, MI 48881
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Municipality
Saranac Village
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