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

61050194362

Features
Interior
Interior Amenities CathedralCeilings EatInKitchen EntranceFoyer HighSpeedInternet JettedTub WalkInClosets
Flooring CeramicTile Hardwood
Fireplace Features Gas GreatRoom
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Window Features WindowTreatments
Fireplace Y/N Y
Above Grade Finished Area 2988.0
Half Baths 1
Total Bedrooms 3
Below Grade Finished Area 0.0
Above Grade Finished Area Source PublicRecords
Above Grade Finished Area Unit Type SquareFeet
Total Baths 3
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General
Sewer SepticTank
Heating ForcedAir NaturalGas
Cooling CeilingFans CentralAir
Possession AtClose
Appliances Dishwasher Oven Refrigerator Range
HOA Fee 300.0
Garage Spaces 3.0
Patio/Porch Features Deck Porch
Architectural Style Ranch
Pool Features None
Construction Materials VinylSiding
Year Built 1991
Levels OneandOneHalf
Property Subtype SingleFamilyResidence
Waterfront Features LakeFront Waterfront
Assoc Fee Paid Per Annually
County Saginaw
New Construction N
Property Type Residential
HOA Y
Attached Garage Y
Subdivision Name N/A
Garage Y/N Y
Total Rooms 11
Full Baths 2
Status Pending
City SwanCreekTownship_Saginaw
Disclosures FloodPlainNone TaxesHomesteadExempt
Senior Community Y/N N
High School District StCharles
Zoning Description Residential
MLS Area Area73131SwanCreekTwp
Carport Y/N N
Land Lease Y/N N
Tax Annual Amount 4857.68
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
Tax Assessed Value 140901
Legal Description LOT 10 AUSTYN WOODS PART OF SW 1/4 SEC 17 T11N R3E
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Exterior
Parking Features ThreeCarGarage Attached ElectricityinGarage GarageDoorOpener
Lot Features WaterView Wooded
Water Source Public
Foundation Details CrawlSpace
Spa N
Lot Dimensions 150 x 257
Lot Size Acres 0.89
Road Surface Type Paved
Waterfront Y/N Y
Crops Included Y/N N
Road Responsibility PublicMaintainedRoad
Horse Y/N N
Irrigation Water Rights Y/N N
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Internal Only
Street Number 1 11278
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* Excluded Features
List By
Bridgette Stallings

Listing Agent

Century 21 Signature Realty

Broker

(989) 798-8009

Phone

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
4909478 Elementary School
4909245 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
11/15/2025$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