123 E Spruce Street Saint Charles, MI $ 134,900
123 E Spruce Street
$ 134,900
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123 E Spruce Street

Saint Charles, MI, 48655
$ 134,900
Bedrooms3 Baths1.0 Sq 1,440

Monthly Estimate*

$ 831

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Single Family Home for sale in Saint Charles, MI

for $134,900 with 3 bedrooms and 1 full bath. This 1,440 square foot home was built in 1920 on a lot size of 0.3.

Surrounded by smalltown charm and the great outdoors, 123 E. Spruce St. in the Village of St. Charles has so much to offer. The three bedrooms include a main floor primary bedroom with walk-in closet and two bedrooms upstairs. The eat-in kitchen has plenty of elbow room, decorative wainscoting and a newer stove. The spacious living room is washed in natural light that streams in through large vinyl windows. An enclosed portico features knotty pine walls giving it a cozy cabin ambiance. This home offers peace of mind with a new furnace installed in 2023 and central air conditioning installed in 2025. An L-shaped deck off the kitchen leads to a spacious yard and a 40-foot by 25-foot garage with three overhead doors and gas and electric service. Located in close proximity to the Bad River, this property is a playground for fishermen, kayakers and outdoorsmen. The nearby Lumberjack Park has a trailhead to the Saginaw Valley Rail Trail and lots of open space. This home is just a short drive to the village’s Coal Miners Park which offers an 18-hole disc golf course and a walking trail, and is home to the St. Charles Farmers’ Marketplace. Just a short drive away is Shiawassee National Wildlife Refuge.

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Single Family Active

Price

$ 134,900

Bedrooms

3

Full Bath

1

Property Type

Single Family

Taxes

$ 2,329

Style

Cape Cod

Lot Size

0.3

Year Built

1920

Town/City

Saint Charles

County/Region

Saginaw

MLS | Web ID

50199446

Features
Interior
Interior Amenities Sump Pump Walk-In Closet
Basement MI Basement Outside Entrance
Bedroom 3 Level Second
Bedroom 1 Level Main
Bedroom 2 Level Second
Beds 3
Fireplace? No
Total Rooms 7
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General
Heating Forced Air
Cooling Central A/C
Possession Negotiable (Possession)
Garage Detached Garage Electric in Garage Gar Door Opener Heated Garage
Water Public Water
Appliances Range/Oven Refrigerator
Status Active Active
Full Baths 1
Half Baths 0
Bathrooms 1
Year Built 1920
Parking 3 or More Spaces Garage
Subdivision Village of St. Charles MI
Style Cape Cod
County Saginaw
Class RESIDENTIAL
Type Single Family
Ownership Private
Municipality St Charles
Sale/Rent For Sale
Status Detail 0
Structure Style 1 1/2 Story
Area Saint Charles (73040)
Primary City Saint Charles
City Saint Charles
School District St Charles Community Schools
Financial Terms Cash Conventional
Legal Description LOTS 5 & 6 EXC W 30 FT THEREOF BLK 79 VILLAGE OF ST CHARLES SEC 5 T10N R3E ***DESC CHANGED ALONG WITH 05-0301 11/6/97
DOM 14
Postal Code 48655
Price Per Sq Ft Total AG 93.68
Public Remarks Surrounded by smalltown charm and the great outdoors
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Exterior
Exterior Vinyl Siding
Exterior Amenities Deck Patio
Frontage 100
Flood Plan 100 Year
Lot Size Area 0.3
Pool (Y/N) No
Lot Dimensions 100x132
OUT BUILDINGS Garage(s)
Waterfront Y/N No
Frontage Type Road
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* Excluded Features
List By
Jaime Cramer

Listing Agent

Berkshire Hathaway Homeservices

Broker

jaimecramer@bhhsmi.com

Email

Affordability Calculator

$1,025
Per Month
81%
19%
0%
Monthly Principal & Interest
$831
Monthly Property Taxes
$194
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% 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
2/27/2026$134,900 -6.97% Price Down
2/14/2026$145,000 Listed Price

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123 E Spruce Street, Saint Charles, MI, 48655 is a Single Family Home for sale at $134,900 with 1,440 sqft and a lot size of 0.3. 123 E Spruce Street has 3 bedrooms, 1.0 baths, and was built in 1920. The property's zip code is 48655 which is in Saint Charles, MI