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11278 Spencer, Saginaw, MI 48609

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For Sale
Sale Pending

$425,000

3 beds • 2 baths • 1 half baths • 2,988 sqft

Estimated Payment

$      /mo. †

APR for 30 years

Change Loan Terms

  • Single Family Detached
    Property type

  • 1991
    Year built

  • $142.24
    Price per square foot

  • 3 Car Garage
    Garage Count

Explore this Property

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!
MLS# 50194362

Listed By CENTURY 21 Signature Realty
5580 State Street, Saginaw, MI 48603

Property Features

  • Appliances
    Dishwasher, Range / Oven, Refrigerator
  • Basement
    Crawl Space
  • Bath Features
    Jetted Tub
  • Exterior Description
    Vinyl Siding
  • Exterior Living Space
    Deck, Porch
  • Flooring
    Hardwood
  • Garage Count
    3 Car Garage
  • Garage Description
    Attached Garage
  • Heating - Fuel Type
    Gas
  • Heating Type
    Forced Air
  • Interior
    Walk-in Closet
  • Location
    Waterfront
  • Pre-Wiring
    Garage Door
  • Sewer
    Septic
  • Style
    Other Style
  • Views
    Water

Map and Directions

Directions to 11278 Spencer, Saginaw, MI 48609

Home seller CENTURY 21 Signature Realty

Get to know the neighborhood. A local affiliated CENTURY 21 agent will help you set up tours, give advice, and negotiate with sellers.

Kay Denardo of Kay Denardo

of CENTURY 21 Signature Realty

(989) 860-0438
Learn More About Us

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Monthly Payment Breakdown

  • Principle and Interest
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  • Property Taxes
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  • Hazard Insurance
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  • Private Mortgage Insurance
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Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% 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. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.