For Sale
575 Lutzke Road, Saginaw, MI 48609
$189,000
MLS # 50206916 (MiRealSource)
5 beds1 bathBuilt 19401.1 acres
1 / 31
Listing Description
Welcome to peaceful country living with space to spread out and make your own! Nestled in desirable Thomas Township, this charming home features 5 bedrooms, over 1,600 square feet of living space, and sits on a beautiful 1+ acre lot offering privacy and a serene setting. Inside, you’ll find inviting living areas filled with natural light and endless potential to personalize to your style. Enjoy the best of both worlds with a quiet rural atmosphere while still being conveniently located near schools, shopping, and dining. Whether you’re looking for extra space, room to grow, or simply a place to enjoy the outdoors, this property is full of opportunity. Don’t miss your chance to own your own slice of country serenity — call your favorite Realtor today!
Source: SparkMLS
About this home
Located in Thomas Township in Saginaw, this property offers 5-bedroom, 1-bath, with original construction dating to 1940.
Currently offered at $189,000.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms1
Lot Size1.1 acres
Year Built1940
Location
CitySaginaw
MunicipalityThomas Twp
Zip Code48609
CountySaginaw
School DistrictSwan Valley
Construction & Systems
ConstructionVinyl Siding
BasementMichigan Basement
Garage2 spaces
HeatingForced Air
SewerPublic
Sale & Financing
Listed5/7/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Parcel #28-12-3-25-4066-000
Source: SparkMLS
Legal Description
S 150 FT OF N 1560 FT OF W 1/4 SE 1/4 EXC THE W 330 FT 1.10 ACRES SEC 25 T12N R3E
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 Shelli Kelsey
Kelsey Realty and Associates Inc
Frequently Asked Questions about 575 Lutzke Road, Saginaw, MI 48609
What school district is 575 Lutzke Road, Saginaw, MI 48609 in?
Per MLS# 50206916, this property is served by Swan Valley. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 575 Lutzke Road, Saginaw, MI 48609?
Per MLS# 50206916, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
Is 575 Lutzke Road, Saginaw, MI 48609 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, 575 Lutzke Road, Saginaw, MI 48609 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. 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.
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Monthly payment$1,226
Principal & interest$1,226
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
575 Lutzke Road, Saginaw, MI 48609
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Municipality
Thomas Township
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