Sold
8040 Garwood Drive, Saginaw, MI 48609
Sold on 07/10/2026 for$235,000
MLS # 20261027473 (Realcomp)
3 beds2 baths1,120 sqftBuilt 19770.36 acres
1 / 45
Listing Description
Welcome to 8040 Garwood, a beautifully curated 3-bedroom, 1.5-bath residence offering 1,120 square feet of thoughtfully designed living space in one of Saginaw’s most convenient and established neighborhoods. This home seamlessly blends timeless comfort with meaningful updates, creating an inviting and refined everyday living experience.Upon entry, you’re greeted by a light-filled interior and an effortless floor plan designed for both relaxation and entertaining. The living spaces flow with ease, while the kitchen stands out with elegant quartz countertops, stainless steel appliances, and generous cabinetry—perfectly balancing style and functionality for both everyday living and hosting.Notable improvements include a brand-new roof (2025), offering long-term peace of mind. Outdoors, a newly installed aluminum pergola elevates the patio into a stylish retreat—ideal for al fresco dining, quiet mornings, or evening entertaining. The fully fenced backyard enhances both privacy and usability, creating a secure and versatile outdoor space.Ideally situated just steps from Roberts Park and within a short walk to Swan Valley High School, this location offers a rare blend of lifestyle and convenience. Enjoy close proximity to local amenities, dining, and commuter routes while residing in a quiet, welcoming neighborhood.A refined opportunity for those seeking comfort, quality, and thoughtful enhancements—8040 Garwood is ready to impress
Source: SparkMLS
About this home
3-bedroom, 2-bath, 1,120 sq ft home in Thomas Township in Saginaw built in 1977.
Final sale price: $235,000 (about $210/sq ft).
Estimated annual property tax: $3,702, or about $308 monthly. 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
Bedrooms3
Bathrooms2
Living Area1,120 sqft
Lot Size0.36 acres
Year Built1977
Stories1
Location
CitySaginaw
MunicipalityThomas Twp
Zip Code48609
CountySaginaw
School DistrictSwan Valley
Construction & Systems
ConstructionAluminum Siding, Brick
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed4/21/2026
Sold Date7/9/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$3,702
Parcel #28123264437000
Source: SparkMLS
Legal Description
LOT 37 WESTWOOD ESTATES NO TWO SEC 26 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 Matthew Bazner
Max Broock, REALTORS-Royal Oak
Frequently Asked Questions about 8040 Garwood Drive, Saginaw, MI 48609
Which school district serves 8040 Garwood Drive, Saginaw, MI 48609?
Per MLS# 20261027473, 8040 Garwood Drive, Saginaw, MI 48609 is in the Swan Valley boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Swan Valley directly to confirm enrollment eligibility.
What financing options are available for 8040 Garwood Drive, Saginaw, MI 48609?
Per MLS# 20261027473, 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 8040 Garwood Drive, Saginaw, MI 48609?
Per public tax records, annual property taxes for this property are $3,702. 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, 8040 Garwood Drive, Saginaw, MI 48609 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 8040 Garwood Drive, Saginaw, MI 48609 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 8040 Garwood Drive, Saginaw, MI 48609?
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 Thomas Twp police department or the Saginaw County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$1,524
Principal & interest$1,524
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
8040 Garwood Drive, Saginaw, MI 48609
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Municipality
Thomas Township
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