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 Pending

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

61050199446

Features
Interior
Interior Amenities WalkInClosets
Basement ExteriorEntry SumpPump
Basement (Y/N) Y
Air Conditioning Y/N Y
Heating Y/N Y
Fireplace Y/N N
Above Grade Finished Area 1440.0
Total Bedrooms 3
Below Grade Finished Area 0.0
Above Grade Finished Area Source PublicRecords
Above Grade Finished Area Unit Type SquareFeet
Total Baths 1
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General
Sewer PublicSewer
Heating ForcedAir NaturalGas
Cooling CentralAir
Possession Negotiable
Appliances Oven Refrigerator Range
Garage Spaces 3.0
Patio/Porch Features Deck Patio
Architectural Style CapeCod
Pool Features None
Construction Materials VinylSiding
Year Built 1920
Levels OneandOneHalf
Property Subtype SingleFamilyResidence
County Saginaw
New Construction N
Property Type Residential
HOA Y
Attached Garage N
Subdivision Name VILLAGE OF ST. CHARLES
Garage Y/N Y
Other Structures Garages
Total Rooms 7
Full Baths 1
Status Pending
City StCharlesVillage_Saginaw
Disclosures FloodPlain100Year TaxesHomesteadExempt
Senior Community Y/N N
High School District StCharles
MLS Area Area73201StCharlesTwp
Carport Y/N N
Land Lease Y/N N
Tax Annual Amount 2329.47
Home Warranty Y/N N
Lease Renewal Y/N N
Additional Parcels Y/N N
Lease Considered Y/N N
Rent Control Y/N N
Standard Status Pending
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
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Exterior
Parking Features Assigned2Spaces ThreeCarGarage Detached ElectricityinGarage Garage HeatedGarage GarageDoorOpener
Lot Features DeadEndStreet
Water Source Public
Foundation Details CrawlSpace MichiganBasement
Spa N
Lot Dimensions 100x132
Lot Size Acres 0.3
Waterfront Y/N N
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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Internal Only
Street Number 1 123
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* Excluded Features
List By
Jaime Cramer

Listing Agent

Berkshire Hathaway Homeservices

Broker

(989) 482-6479

Phone

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
4909478 Elementary School
4909245 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