Pending

$425,000

11278 Spencer Rd, Saginaw, MI 48609

3beds

2,988sqft

Est.:

Single Family Residence

Built in 1991

0.89 Acres Lot

$411,600 Zestimate^®

$142/sqft

$25/mo HOA

What's special

Private lakeHardwood floorsPeaceful back deckGranite countertopsUpdated kitchenPrivate oasisStainless-steel appliances

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!

25 days

2,332

93

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 3
Full bathrooms: 2
1/2 bathrooms: 1

Rooms

Room types: Den/Study/Lib, Entry, Bedroom, Laundry, Master Bedroom, Great Room, Master Bathroom, Bonus Room, First Flr Lavatory, Bathroom, Breakfast Nook/Room, Dining Room

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: 1.5
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 & HOA

Community

Subdivision: N/A

HOA

Has HOA: Yes
HOA fee: $300 annually

Location

Region: Saginaw

Financial & listing details

Price per square foot: $142/sqft
Tax assessed value: $338,400
Annual tax amount: $4,857
Date on market: 11/14/2025
Cumulative days on market: 26 days
Listing agreement: Exclusive Right To Sell
Listing terms: Cash,Conventional,FHA,VA Loan
Road surface type: Paved

Estimated market value

$411,600

$391,000 - $432,000

$1,916/mo

Price history

Date	Event	Price
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