Sold
4855 N Arboretum Drive, Saginaw, MI 48638
Sold on 11/21/2025 for$259,500
MLS # 20251045355 (Realcomp)
3 beds3 baths4,004 sqftBuilt 19710.38 acres
1 / 33
Listing Description
No flood insurance required! This spacious 2-story in Oak Ridge Forrest offers comfort and elegance, with a brand-new roof being installed. Enjoy a beautifully updated kitchen with granite countertops, glass tile backsplash, stainless steel appliances, and luxury vinyl flooring. Features include a family room with fireplace and wet bar, large primary suite, full basement, fenced yard, and 2-car garage. Call today for your private showing!
Source: SparkMLS
About this home
This 3-bedroom, 3-bath, 4,004 sq ft home built in 1971 sits in Saginaw Township in Saginaw.
Closed at $259,500 (about $65/sq ft).
Property tax estimate: $4,195 per year ($350/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. Broadband is available with download speeds up to 1,000 Mbps from 8 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms3
Living Area4,004 sqft
Lot Size0.38 acres
Year Built1971
Stories2
Location
CitySaginaw
MunicipalitySaginaw Twp
Zip Code48638
CountySaginaw
School DistrictSaginaw Twp
Construction & Systems
ConstructionVinyl Siding
BasementPartial
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorBasement Partially Finished
Sale & Financing
Listed10/14/2025
Sold Date11/20/2025
Original Price$269,500
Terms AcceptedCash, Conventional, FHA, VA Loan
HOA
HOA Fee$150 / Annually
Source: SparkMLS
Tax Information
Annual Tax$4,195
Parcel #23124332320000
Source: SparkMLS
Legal Description
LOT 20 OAK RIDGE FOREST SEC 33 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 Justin S Ford
EXP Realty Plymouth
Frequently Asked Questions about 4855 N Arboretum Drive, Saginaw, MI 48638
Which school district serves 4855 N Arboretum Drive, Saginaw, MI 48638?
Per MLS# 20251045355, 4855 N Arboretum Drive, Saginaw, MI 48638 is in the Saginaw Twp boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Saginaw Twp directly to confirm enrollment eligibility.
What financing options are available for 4855 N Arboretum Drive, Saginaw, MI 48638?
Per MLS# 20251045355, 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 4855 N Arboretum Drive, Saginaw, MI 48638?
Per public tax records, annual property taxes for this property are $4,195. 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, 4855 N Arboretum Drive, Saginaw, MI 48638 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.
Is 4855 N Arboretum Drive, Saginaw, MI 48638 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. 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.
What internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 4855 N Arboretum Drive, Saginaw, MI 48638. The maximum advertised download speed is 1.0 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 4855 N Arboretum Drive, Saginaw, MI 48638?
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 Saginaw Twp police department or the Saginaw County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$1,696
Principal & interest$1,683
HOA$13
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
8 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
4855 N Arboretum Drive, Saginaw, MI 48638
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Municipality
Saginaw Township
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