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!
Sold for $411,000
$411,000
11278 Spencer Rd, Saginaw, MI 48609
3beds
2,988sqft
Single Family Residence
Built in 1991
0.89 Acres Lot
$413,900 Zestimate®
$138/sqft
$2,356 Estimated rent
Home value
$413,900
$377,000 - $455,000
$2,356/mo
Zestimate® history
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What's special
Zillow last checked: 8 hours ago
Listing updated: January 12, 2026 at 12:28pm
Listed by:
Bridgette Stallings 989-798-8009,
Century 21 Signature Realty,
Kay Denardo 989-860-0438,
Century 21 Signature Realty
Bought with:
Kimberly Bodenschatz, 6501429251
Crown Real Estate Group
Source: MiRealSource,MLS#: 50194362
Originating MLS: Saginaw Board of REALTORS
Originating MLS: Saginaw Board of REALTORSFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Primary bedroom
- Level: First
Bedroom 1
- Level: First
- Area: 182
- Dimensions: 13 x 14
Bedroom 2
- Level: First
- Area: 169
- Dimensions: 13 x 13
Bedroom 3
- Level: First
- Area: 104
- Dimensions: 8 x 13
Bathroom 1
- Level: First
- Area: 35
- Dimensions: 7 x 5
Bathroom 2
- Level: First
- Area: 56
- Dimensions: 8 x 7
Dining room
- Level: First
- Area: 112
- Dimensions: 14 x 8
Kitchen
- Level: First
- Area: 144
- Dimensions: 12 x 12
Living room
- Level: First
- Area: 513
- Dimensions: 27 x 19
Heating
- Forced Air, Natural Gas
Cooling
- Ceiling Fan(s), Central Air
Appliances
- Included: Dishwasher, Range/Oven, Refrigerator, Gas Water Heater
- Laundry: First Floor Laundry
Features
- Cathedral/Vaulted Ceiling, Walk-In Closet(s), Eat-in Kitchen
- Flooring: Ceramic Tile, Hardwood
- Windows: Window Treatments
- Basement: Crawl Space
- Number of fireplaces: 1
- Fireplace features: Gas, Great Room
Interior area
- Total structure area: 2,988
- Total interior livable area: 2,988 sqft
- Finished area above ground: 2,988
- Finished area below ground: 0
Property
Parking
- Total spaces: 3
- Parking features: Attached, Electric in Garage, Garage Door Opener
- Attached garage spaces: 3
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Deck, Porch
- Has spa: Yes
- Spa features: Spa/Jetted Tub
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Lake Front, Waterfront
- Frontage type: Road
- Frontage length: 150
Lot
- Size: 0.89 Acres
- Dimensions: 150 x 257
- Features: Wooded
Details
- Parcel number: 26113171210000
- Zoning description: Residential
- Special conditions: Private
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
Condition
- Year built: 1991
Utilities & green energy
- Sewer: Septic Tank
- Water: Public
- Utilities for property: Cable/Internet Avail.
Community & neighborhood
Location
- Region: Saginaw
- Subdivision: N/A
HOA & financial
HOA
- Has HOA: Yes
- HOA fee: $300 annually
Other
Other facts
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,FHA,VA Loan
- Road surface type: Paved
Price history
| Date | Event | Price |
|---|---|---|
| 1/8/2026 | Sold | $411,000-3.3%$138/sqft |
Source:  MiRealSource #50194362 Report a problem | ||
| 12/6/2025 | Pending sale | $425,000$142/sqft |
Source: MiRealSource #50194362 Report a problem | ||
| 11/14/2025 | Listed for sale | $425,000+60.4%$142/sqft |
Source: MiRealSource #50194362 Report a problem | ||
| 11/17/2004 | Sold | $265,000$89/sqft |
Source: MiRealSource #20046446 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $4,258 +5.1% | $169,200 +24.4% |
| 2023 | $4,050 | $136,000 +7.9% |
| 2022 | -- | $126,000 +5% |
Find assessor info on the county website
Neighborhood: 48609
Nearby schools
GreatSchools rating
- 6/10St. Charles Elementary SchoolGrades: PK-6Distance: 4.2 mi
- 7/10St. Charles Community High SchoolGrades: 7-12Distance: 4.5 mi
Schools provided by the listing agent
- District: St Charles Community Schools
Source: MiRealSource. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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$413,900
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With Zillow Showcase(estimated)$422,178