Sold
640 Lutzke Road, Saginaw, MI 48609
Sold on 04/17/2026 for$262,000
MLS # 50200611 (MiRealSource)
3 beds2 bathsBuilt 20050.57 acres
1 / 45
Listing Description
Move right into this beautifully updated Thomas Township home situated on over a half-acre lot! Offering 3 bedrooms, 2 full baths, and 1,218 square feet of main living space — plus an additional 715 sqare feet of finished space in the basement with a family room, office, and washer and dryer. This home provides room to live, relax, and entertain comfortably. The main floor features a cozy living room with a gas fireplace, two bedrooms, a full bath, and an updated kitchen complete with granite countertops, stainless steel appliances, tile backsplash, and a casual dining area perfect for everyday living. Upstairs, retreat to your private primary suite featuring a double closet and beautifully updated en-suite bath — your own peaceful getaway at the end of the day. Step outside and enjoy your spacious backyard oasis. The patio is ideal for entertaining, while mature trees provide privacy and shade. The property also includes a heated pole garage with electricity — perfect for hobbies, storage, or extra workspace — along with an additional shed for even more storage. You’ll appreciate the added peace of mind this home provides, featuring a professionally installed generator interlock kit with backfeed capability, allowing you to safely power most of the home during outages. Washer and dryer can remain with an acceptable offer, offering added convenience and flexibility for the next owner. This home truly offers comfort, space, functionality, and thoughtful updates — all in a desirable location. Call today to schedule your private showing!
Source: SparkMLS
About this home
This 3-bedroom, 2-bath home built in 2005 sits in Thomas Township in Saginaw.
This home sold for $262,000.
Electric service is provided by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Lot Size0.57 acres
Year Built2005
Location
CitySaginaw
MunicipalityThomas Twp
Zip Code48609
CountySaginaw
School DistrictSwan Valley
Construction & Systems
ConstructionVinyl Siding
Garage2 spaces
HeatingForced Air
SewerPublic
InteriorCeiling Fan(s)
Sale & Financing
Listed3/2/2026
Sold Date4/16/2026
Terms AcceptedCash, Conventional, FHA, MSHDA, VA Loan
Source: SparkMLS
Property Records
USDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Theresa Guthrie
RE/MAX of Midland
Frequently Asked Questions about 640 Lutzke Road, Saginaw, MI 48609
What school district is 640 Lutzke Road, Saginaw, MI 48609 in?
Per MLS# 50200611, 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 640 Lutzke Road, Saginaw, MI 48609?
Per MLS# 50200611, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, MSHDA, VA Loan. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
Is 640 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.
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$1,771
Principal & interest$1,771
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
640 Lutzke Road, Saginaw, MI 48609
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Municipality
Thomas Township
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