Off market sep 2024 for $220K

$283,115

Est. refi paymentEst. refi $1,529/mo

•

1,824

sq ft

12092 Spencer Rd, Saginaw, MI 48609

About this home

Five tree covered acres in Swan Creek Twp, includes a five bedroom, two bath home with walk out basement. This Wausau built home is two story; fireplace on lower level, a full bath on first & second floors. Large living room & dining area overlook open staircase to upstairs & to family room in basement. Access deck from the dining area. Bedrooms located on first & second floors. The large eat in kitchen can accommodate more than one cook in the family. Two car detached garage and generous amount of parking space. Allow your imagination to take flight & make this your dream home.

Single-familyProperty Type

1979Year Built

5.13 acresLot Size

$155Est. Price/Sq.Ft.

2 car garageParking

Listed by Mark McKnight • Century 21 Signature Realty

•989-921-7000 (broker)

•julie@c21signaturere (broker)

Bought with Jessica Schira • Real Estate One Great Lakes Bay

•989-607-2100 (broker)

•juliewilliams.homes@gmail.com (broker)

Redfin checked: a minute ago

•Source:MiRealSource-MiMLS #50142399

Redfin Estimate

$283,115

$63K since sold in September 2024$2,000 since September

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 7.7% lower than the average sale price ($307K) of 6 comparable homes.

SOLD SEP 30, 2026
$180,400
A
3 beds2 baths1,634 sq ft
4470 S Raucholz Rd, Hemlock, MI 48626
SOLD JUL 31, 2026
$555,000
B
3 beds2.5 baths1,728 sq ft
12385 Baumgartner Rd, Saint Charles, MI 48655
SOLD APR 17, 2026
$265,000
C
3 beds2 baths2,072 sq ft
4755 S Graham Rd, Saint Charles, MI 48655
SOLD SEP 30, 2026
$285,000
D
4 beds1.5 baths1,520 sq ft
2289 S Brennan Rd, Hemlock, MI 48626
SOLD JUN 18, 2026
$240,000
E
4 beds2 baths1,620 sq ft
8602 S Fordney Rd, Saint Charles, MI 48655
SOLD JUN 5, 2026
$315,000
F
4 beds2 baths1,800 sq ft
12821 S Basell Dr, Hemlock, MI 48626

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Earn from this home

Refinance

Est. cash available

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Rent

$2,462/mo

Redfin rental estimate

List your home for rent

Market trends in 48609, MI

Last updated September 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-List Price

96.6%

1.3% MoM

Median sale price

$180K

$29K MoM

Avg. days on market

16d

3 days MoM

Recently sold homes

4 MoM

New listings for sale

$464,900
4 beds3.5 baths5,600 sq ft
1453 Eagle Crest Ct, Saginaw, MI 48609
(989) 790-9292
$269,900
3 beds2 baths1,456 sq ft
7740 Luann St, Saginaw, MI 48609
(989) 652-7653
$514,900
3 beds3.5 baths4,153 sq ft
1944 E Lake Circle Dr, Saginaw, MI 48609
(989) 921-7000
FOR SALE BY OWNER
$6,500
2 beds2 baths600 sq ft
11277 Armstrong Dr N, Saginaw, MI 48609
See all

Provided by Redfin

Sale history for 12092 Spencer Rd

Date

Event

Price

MiRealSource-MiMLS #50142399

Sep 5, 2024

Sold

$220,000

$121/sq ft

Aug 23, 2024

Pending

—

Aug 13, 2024

Relisted

—

May 20, 2024

Pending

—

May 20, 2024

Contingent

—

May 17, 2024

Listed

$220,400

$121/sq ft

REALCOMP #61050142399

Sep 5, 2024

Sold

$220,000

$121/sq ft

Aug 23, 2024

Pending

—

Aug 13, 2024

Relisted

—

May 20, 2024

Pending

—

May 20, 2024

Contingent

—

May 17, 2024

Listed

$220,400

$121/sq ft

Tax history for 12092 Spencer Rd

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Beds

Baths

Stories

Lot width

344 ft.

Lot depth

357 ft.

Lot size

5.13 Acres

Year renovated

—

Sq. Ft.

1,824

Year built

1979

Style

Single Family Residential

County

Saginaw County

APN

26-11-3-18-1002-003

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Sep 18, 2026.

Property details

Parking

Parking/Garage Information
Has Garage
Garage Dimensions: 720 sq ft
# of Parking Spaces in Garage: 2
Garage Type: Detached Garage, Electric In Garage, Side Loading Garage

Interior

Interior Features
Has Fireplace
# of Fireplaces (Total): 1
Rooms: Living Room, First Flr Full Bathroom, Second Flr Full Bathroom, Eat-In Kitchen, Formal Dining Room
Interior Features: Cable/Internet Avail., Cathedral/Vaulted Ceiling, Ceramic Floors, Sump Pump
Appliances: Dishwasher, Range/Oven, Refrigerator
Has Fireplace
Fireplace Features: Basement Fireplace, Natural Fireplace

Bedroom Information
Bedroom 1 Level: First
Bedroom 1 Dimensions: 13 x 11
Bedroom 1 Floor Covering: Carpet
Bedroom 1 Floor Covering: Carpet
Bedroom 2 Level: First
Bedroom 2 Dimensions: 13 x 10
Bedroom 2 Floor Covering: Carpet
Bedroom 3 Level: First
Bedroom 3 Dimensions: W=9
Bedroom 3 Floor Covering: Carpet
Bedroom 4 Level: Second
Bedroom 4 Dimensions: 14 x 11
Bedroom 4 Floor Covering: Carpet
Bedroom 5 Level: Second
Bedroom 5 Dimensions: 14 x 11
Bedroom 5 Floor Covering: Carpet

Bathroom Information
# of Bathrooms (Full): 2
# of Baths/Lavatories (Total): 2

Bathroom 1 Information
Bathroom 1 Floor Covering: Ceramic
Bathroom 1 Level: First
Bathroom 1 Length: 8
Bathroom 1 Width: 4

Bathroom 2 Information
Bathroom 2 Floor Covering: Ceramic
Bathroom 2 Level: Second
Bathroom 2 Length: 8
Bathroom 2 Width: 5

Dining/Kitchen Information
Dining Room Floor Covering: Vinyl
Kitchen Floor Covering: Laminate
Kitchen Level: First
Kitchen Dimension: 17 x 11
Dining Room Level: First
Dining Room Dimension: 13 x 13

Library/Den/Living Room Information
Living Room Floor Covering: Vinyl
Living Room Level: First
Living Room Dimensions: 17 x 13

Laundry/Basement Information
Basement : Has Basement
Basement Type: Block, Egress/Daylight Windows, Full, Outside Entrance, Walk Out, Unfinished

Exterior

Exterior Features
Exterior Construction: Vinyl Siding
Exterior Features: Deck, Porch
Foundation Type: Basement

Property Features
Frontage Type: Road

Property Information
Property Type: Residential
Structure Style: 2 Story
Year Built: 1979
Below Grade Sq. Ft.: 1032
Below Grade Sq. Ft. (Finished): 0

Lot Information
SITE/LOT FEATURES: Rural, Wooded
Lot Size: 344,357
Zoning: Residential

Land Information
Land Contract: No
Acreage: 5.13
Roads: Paved Street
Frontage: 344
Flood Insurance: Not Required
Floodplain: None

Financial

Tax/Assessments Information
Taxable Value Year: 2023
Taxable Value: $78,063
Total Tax Year: 2023
Total Tax Amount: $2,510.48
Summer Tax Year: 2023
Summer Tax Amount: $814.59
Winter Tax Year: 2023
Winter Tax Amount: $1,695.89

Utilities

Utility Information
Heat/Fuel Type: LP/Propane Gas
Water Heater: Propane Hot Water
Water: Public Water
Cooling System: Ceiling Fan(S), Wall/Window A/C
Heating System: Boiler, Zoned Heating
Sewer Septic: Septic

Location

Unit 5 Information
Living Room Dimensions: L=1824

School Information
School District: St Charles Community Schools
School District: St Charles Community Schools

Address Information
Street Designation: Road

Location Details
Directions: (M52) S Graham, west on Spencer
Municipality Type: Township
Municipality: Swan Creek Twp
Mail City: Saginaw
Subdivision: N/A
Municipality: Swan Creek Twp
Area (Municipality): Swan Creek Twp (73023)

Public facts

Beds: 3
Baths: 2.0
Sq. Ft.: 1,824
Stories: 2.0
Lot Size: 5.13 acres
Style: Single Family Residential
Year Built: 1979
Year Renovated: —
County: Saginaw County
APN: 26-11-3-18-1002-003

Home facts updated by county records on Sep 18, 2026

Other

Listing Information
Originating MLS: Saginaw Board
Originating MLS: Saginaw

Around this home

Schools

St. Charles Elementary School

Public PreK-6 • Assigned • 4.1mi

7/10

St. Charles Community High School

Public 7-12 • Assigned • 4.2mi

6/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

6/10 Flood Factor

Estimated 80%+ chance 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 98° 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

Saginaw, MI • 48609

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.6 hours in June and 2.4 hours in December, placing it below the U.S. average for solar exposure.

9.6 hrs

2.4 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$269,000 – $326,000

Sell confidently with a local market expert in Saginaw. 3 minutes to get started.

Nearby similar homes

FOR SALE BY OWNER

$39,975

2 beds1 bath766 sq ft

213 E Oak St, Saint Charles, MI 48655

$367,999

3 beds2 baths2,592 sq ft

15251 Geddes Rd, Hemlock, MI 48626

(989) 486-9770

$239,000

3 beds1.5 baths1,300 sq ft

2530 Sierra Dr, Saginaw, MI 48609

(989) 790-9292

$324,900

3 beds2 baths2,441 sq ft

8461 W Glencarin Dr, Saginaw, MI 48609

$269,900

3 beds2 baths1,456 sq ft

7740 Luann St, Saginaw, MI 48609

(989) 652-7653

$304,900

4 beds3 baths2,248 sq ft

1825 Thunderbird Dr, Saginaw, MI 48609

(989) 792-8200

New listings for sale in 48609

$464,900

4 beds3.5 baths5,600 sq ft

1453 Eagle Crest Ct, Saginaw, MI 48609

(989) 790-9292

$269,900

3 beds2 baths1,456 sq ft

7740 Luann St, Saginaw, MI 48609

(989) 652-7653

$514,900

3 beds3.5 baths4,153 sq ft

1944 E Lake Circle Dr, Saginaw, MI 48609

(989) 921-7000

FOR SALE BY OWNER

$6,500

2 beds2 baths600 sq ft

11277 Armstrong Dr N, Saginaw, MI 48609

Home values near 12092 Spencer Rd

Data from public records.

Address	Redfin Estimate
11940 Spencer Road, Saginaw, MI 3 Beds \| 2 Baths \| 1383 Sq. Ft.	$213,269
12045 Spencer Road, Saginaw, MI 3 Beds \| 2.5 Baths \| 2048 Sq. Ft.	$411,716

Address	Redfin Estimate
12165 Spencer Road, Saginaw, MI 5 Beds \| 4.5 Baths \| 5888 Sq. Ft.	$1,139,814
12200 Spencer Road, Saginaw, MI 3 Beds \| 1.5 Baths \| 1440 Sq. Ft.	$278,520

Address	Redfin Estimate
12097 Spencer Road, Saginaw, MI 4 Beds \| 3.5 Baths \| 2044 Sq. Ft.	$572,475
12255 Spencer Road, Saginaw, MI 3 Beds \| 1 Baths \| 1136 Sq. Ft.	$226,277

Property information provided by MiRealSource-MiMLS when last listed in 2024. This data may not match . Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Redfin Estimate

Earn from this home

Market trends in 48609, MI

Sale history for 12092 Spencer Rd

Tax history for 12092 Spencer Rd

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 48609

Home values near 12092 Spencer Rd

More real estate resources