For sale

$345,000

Est. $2,243/mo —

•

2,268

sq ft

21645 Swan Creek Rd, Merrill, MI 48637

About this home

Set on acreage surrounded by woods, this unique property offers an incredible outdoor lifestyle with a pool, shared pond, and beautifully designed paver patio complete with a retaining wall, fireplace, and dedicated entertaining space. The pond access is a standout feature, with plenty of fish and a long list of memorable catches to prove it. Inside, the home is warm, inviting, and surprisingly cozy. The kitchen opens to the family room, which flows beautifully into a 3-season room with cedar ceilings and views of the surrounding property. A formal living room, 3 bedrooms, 2 full baths, and first-floor laundry round out the main living spaces. Recent updates include a newer roof within the last 3 years and a new fence. But the real draw is outside— plenty of space to entertain, relax, and enjoy the privacy of your own acreage. A property like this doesn't come around often—private, playful, polished, and designed for enjoying the outdoors in style.

Single-familyProperty Type

1965Year Built

2.85 acresLot Size

$152Price/Sq.Ft.

2 car garageParking

Listed by Natasha Jarzabkowski • White Realty

•989-799-7779 (broker)

•Saginaw.WhiteRealty@gmail.com (broker)

Listed by Vicki White • White Realty

•989-799-7779 (broker)

•Saginaw.WhiteRealty@gmail.com (broker)

Listing updated: Aug 26, 2026 at 11:18pm

Redfin checked: 2 minutes ago

•Source:MiRealSource-MiMLS #50218721

Payment calculator

$2,243 per month

Principal and interest$1,813

Property taxes

$263

HOA dues

Home insurance

$167

Utilities

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Nearby open houses (1)

Around this home

Schools

K - 12
Preschool & daycare

Merrill Elementary School

Public PreK-5 • Assigned • 2.3mi

7/10

Merrill Middle School

Public PreK-8 • Assigned • 2.3mi

4/10

Merrill High School

Public 9-12 • Assigned • 2.3mi

5/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Offer insights

21645 Swan Creek Rd · $345,000

Strong offer

$347K and above

75% chance or better to win

Why $347K+ is a strong offer

DAYS ON MARKET

The average home goes pending in 18 days.

SALE-TO-LIST

Most homes are selling 1% below list price.

About offer insights

Property details

Interior
Exterior
Finance

Kitchen

Bathroom

Bedroom

Living

Dining

Interior features
Two fireplaces (family room and living room) — gas and wood burning
Sump pump
Window treatments
Sun/Florida room

Bedrooms
Main-level bedrooms (three): 11 x 13; 9 x 11; approx. 10 wide
Carpeted bedrooms

Bathrooms
Main-level full bathroom
Total of two bathrooms/lavatories (one lavatory, one full bath)
Main-level bathroom dimensions approximately 11 x 6 (lavatory 5 x 14 listed separately)

Kitchen
Main-level kitchen (approx. 14 x 11)
Appliances included: Dishwasher, Range/Oven, Microwave, Refrigerator

Laundry & utility
Main-level laundry room (approx. 14 x 5)
Washer and Dryer included
Owned water softener

Flooring
Carpet in living room, family room, and bedrooms

Heating & cooling
Forced air heating
LP/Propane gas fuel
Ceiling fans
Wall/window air conditioning

Sale and tax history for 21645 Swan Creek Rd

Sale History
Tax History

Date

Event

Price

REALCOMP #61050218721

Aug 16, 2026

Listed

$345,000

$152/sq ft

+64

Set on acreage surrounded by woods, this unique property offers an incredible outdoor lifestyle with a pool, shared pond, and beautifully designed paver patio complete with a retaining wall, fireplace, and dedicated entertaining space. The pond access is a standout feature, with plenty of fish and a long list of memorable catches to prove it. Inside, the home is warm, inviting, and surprisingly cozy. The kitchen opens to the family room, which flows beautifully into a 3-season room with cedar ceilings and views of the surrounding property. A formal living room, 3 bedrooms, 2 full baths, and first-floor laundry round out the main living spaces. Recent updates include a newer roof within the last 3 years and a new fence. But the real draw is outside- plenty of space to entertain, relax, and enjoy the privacy of your own acreage. A property like this doesn't come around often-private, playful, polished, and designed for enjoying the outdoors in style.

MiRealSource-MiMLS #50218721

Aug 16, 2026

Listed

$345,000

$152/sq ft

Public record

Beds

—

Baths

1.5

Stories

Lot width

200 ft.

Lot depth

620 ft.

Lot size

2.85 Acres

Year renovated

—

Finished Sq. Ft.

1,716

Unfinished Sq. Ft.

—

Total Sq. Ft.

1,716

Year built

1965

Style

Single Family Residential

County

Saginaw County

APN

19-11-1-10-2005-001

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jun 22, 2026.

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

3/10 Fire Factor

0.15% chance of being in a wildfire in next 30 years

2/10 Heat Factor

7 days above 97° expected this year, 13 days in 30 years

1/10 Wind Factor

Minimal risk of severe winds over next 30 years

2/10 Air Factor

1 unhealthy days expected this year, 2 days in 30 years

Provided by First Street

Historical weather

Merrill, MI • 48637

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

93/ 100

Exceptional sunlight

Sunscore

There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

9.9 hrs

5.7 hrs

JuneDecember

Provided by Shadowmap

Redfin Estimate for 21645 Swan Creek Rd

$341,270

$3,730 under list price of $345K

Nearby comparable homes

The Redfin Estimate uses 6 recent nearby sales, priced between $217K to $425K.

SOLD JUL 15, 2026
$425,000 Last sold price
4 beds2.5 baths2,124 sq ft
2051 S Brennan Rd, Hemlock, MI 48626
$48/sq ft
larger lot
13 years older
SOLD JUL 13, 2026
$280,000 Last sold price
3 beds2 baths1,704 sq ft
18125 Nelson Rd, Saint Charles, MI 48655
$12/sq ft
larger lot
39 years older
SOLD MAR 26, 2026
$301,000 Last sold price
4 beds1 bath2,046 sq ft
19190 Swan Creek Rd, Merrill, MI 48637
$5/sq ft
larger lot
65 years older
SOLD AUG 18, 2026
$380,000 Last sold price
3 beds2.5 baths2,450 sq ft
21403 Swan Creek Rd, Merrill, MI 48637
$3/sq ft
larger lot
no basement
SOLD JUN 19, 2026
$217,000 Last sold price
3 beds2.5 baths2,204 sq ft
526 S Maple St, Hemlock, MI 48626
$54/sq ft
smaller lot
20 years newer
SOLD JUN 5, 2026
$302,000 Last sold price
3 beds2.5 baths2,548 sq ft
7497 Barry Rd, Wheeler, MI 48662
$33/sq ft
larger lot
34 years newer

Rental earnings

Est. $2,311 per month, based on comparable rentals

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