11278 Spencer Road Saginaw, MI $ 425,000
11278 Spencer Road
$ 425,000
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11278 Spencer Road

Saginaw, MI, 48609
$ 425,000
Bedrooms3 Baths2.1 Sq 2,988

Monthly Estimate*

$ 2,651

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Single Family Home for sale in Saginaw, MI

for $425,000 with 3 bedrooms and 2 full baths, 1 half bath. This 2,988 square foot home was built in 1991 on a lot size of 0.89.

Ready for life on the lake? Your opportunity is here! Move right in to this spacious ranch offering nearly 3,000 sq. ft. of comfortable, light-filled living. The updated kitchen features hardwood floors, granite countertops, and stainless-steel appliances, opening to a cozy breakfast nook with serene views of your private lake. The primary bedroom includes its own ensuite, while the large great room—with a gas fireplace—flows seamlessly into the four-season room, boasting a wall of windows that frame stunning lake views year-round. Need extra space? The bonus room above the 3-car garage has you covered. Step outside to a peaceful back deck and enjoy your own private oasis. Spend your days relaxing, entertaining, or fishing right in your backyard. This one won’t last—call today for your private showing!

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Single Family Pending

Price

$ 425,000

Bedrooms

3

Full Bath

2

Half Bath

1

Property Type

Single Family

Taxes

$ 4,857

Style

Ranch

Lot Size

0.89

Year Built

1991

Town/City

Saginaw

County/Region

Saginaw

MLS | Web ID

50194362

Features
Interior
Interior Amenities Cable/Internet Avail. Cathedral/Vaulted Ceiling Ceramic Floors Hardwood Floors Spa/Jetted Tub Walk-In Closet Window Treatment(s)
Dining Room Level First
Bedroom 3 Level First
Bedroom 1 Level First
Bedroom 2 Level First
Beds 3
Fireplace? Yes
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General
Heating Forced Air
Kitchen Level First
Cooling Ceiling Fan(s) Central A/C
Possession At Close
Fireplaces Gas Fireplace Grt Rm Fireplace
Garage Attached Garage Electric in Garage Gar Door Opener
Water Public Water
Appliances Dishwasher Range/Oven Refrigerator
Status Pending Pending
Full Baths 2
Half Baths 1
Bathrooms 3
Year Built 1991
Subdivision N/A MI
Water Heater Gas
Style Ranch
County Saginaw
Class RESIDENTIAL
Type Single Family
Ownership Private
Municipality Swan Creek Twp
Zoning Residential
Sale/Rent For Sale
Status Detail 0
Structure Style 1 1/2 Story
Area Swan Creek Twp (73023)
Primary City Saginaw
City Saginaw
School District St Charles Community Schools
Financial Terms Cash Conventional FHA VA
Legal Description LOT 10 AUSTYN WOODS PART OF SW 1/4 SEC 17 T11N R3E
DOM 22
Postal Code 48609
Price Per Sq Ft Total AG 142.24
Public Remarks Ready for life on the lake? Your opportunity is here! Move right in to this spacious ranch offering nearly 3 000 sq. ft. of comfortable
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Exterior
Exterior Vinyl Siding
Exterior Amenities Deck Porch
Frontage 150
Flood Plan None
Lot Size Area 0.89
Pool (Y/N) No
Lot Dimensions 150 x 257
Well/Septic Inspection Done No
Water Features Lake Frontage Water View Waterfront
Roads City/County Paved Street
Waterfront Y/N Yes
Frontage Type Road
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* Excluded Features
List By
Bridgette Stallings

Listing Agent

Century 21 Signature Realty

Broker

bridgettestallingsc21@gmail.com

Email

Affordability Calculator

$3,056
Per Month
87%
13%
0%
Monthly Principal & Interest
$2,651
Monthly Property Taxes
$405
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
1247955 Elementary School
1247954 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
11/14/2025$425,000 Listed Price

Map


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11278 Spencer Road, Saginaw, MI, 48609 is a Single Family Home for sale at $425,000 with 2,988 sqft and a lot size of 0.89. 11278 Spencer Road has 3 bedrooms, 2.1 baths, and was built in 1991. The property's zip code is 48609 which is in Saginaw, MI