For Sale
6320 Ruidoso Drive, Saginaw, MI 48603
$364,900
MLS # 20261025253 (Realcomp)
4 beds4 baths2,964 sqftBuilt 20030.33 acres
1 / 33
Listing Description
Price Reduced! Schedule your showing today. Back on the market due to buyer circumstances.This beautifully updated Colonial blends classic charm with modern convenience, offering extensive upgrades and true move-in readiness.In 2022, improvements included a new water heater, sprinkler system, gazebo, and updated modern light fixtures throughout. In 2023, the backyard patio was expanded with stamped concrete, enhancing the outdoor living space.Recent updates add significant value: in 2025, the home received a new furnace and HVAC system, a fully remodeled kitchen featuring quartz countertops, Pioneer cabinetry, and a pot filler, along with complete renovations to the bathrooms on both levels. In 2026, the interior was freshly painted and luxury vinyl plank flooring was installed throughout the main floor, basement, and all upstairs bedrooms.
Source: SparkMLS
About this home
This 4-bedroom, 4-bath, 2,964 sq ft home built in 2003 sits in Saginaw Township in Saginaw.
Asking $364,900 (about $123/sq ft).
Property tax estimate: $5,078 per year ($423/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
Bedrooms4
Bathrooms4
Living Area2,964 sqft
Lot Size0.33 acres
Year Built2003
Stories3
Location
CitySaginaw
MunicipalitySaginaw Twp
Zip Code48603
CountySaginaw
School DistrictSaginaw Twp
Construction & Systems
ConstructionVinyl Siding
Garage3 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorBasement Finished
Sale & Financing
Listed4/15/2026
Original Price$374,900
Terms AcceptedCash, Conventional
HOA
HOA Fee$150 / Annually
Source: SparkMLS
Tax Information
Annual Tax$5,078
Parcel #23124074003084
Source: SparkMLS
Legal Description
LOT 84 BOWDEN FARMS NORTH NO 2 SEC 07 T12N 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 Kin Yu
EXP Realty Main
Frequently Asked Questions about 6320 Ruidoso Drive, Saginaw, MI 48603
Which school district serves 6320 Ruidoso Drive, Saginaw, MI 48603?
Per MLS# 20261025253, 6320 Ruidoso Drive, Saginaw, MI 48603 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.
Can I use FHA or VA financing for this property?
Per MLS# 20261025253, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 6320 Ruidoso Drive, Saginaw, MI 48603?
Per public tax records, annual property taxes for this property are $5,078. 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, 6320 Ruidoso Drive, Saginaw, MI 48603 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 6320 Ruidoso Drive, Saginaw, MI 48603 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 6320 Ruidoso Drive, Saginaw, MI 48603?
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.
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Mortgage Calculator
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Monthly payment$2,380
Principal & interest$2,367
HOA$13
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
6320 Ruidoso Drive, Saginaw, MI 48603
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Municipality
Saginaw Township
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