Cute, cozy, and full of character! This 2 bedroom home in St. Charles has the kind of warm, comfortable feel that makes you want to kick your shoes off and stay awhile. With just over 1,000 square feet, it offers a cozy layout with fun touches and character that give a little nod to its 70’s charm. Sitting on almost a half acre and surrounded by mature trees, you’ll enjoy a peaceful setting while being right next to the rail trail. Inside, you’ll find recent paint and new flooring in the kitchen, living room, and bedroom, giving the home a fresh feel while still keeping its personality. Big ticket updates like a newer roof, plumbing, and soffits offer added peace of mind. Let’s talk about the garage! The oversized 38x24 garage gives you tons of space for a workshop, storage, hobbies, toys, or whatever projects you’ve been dreaming up. Cozy, charming, and full of potential — this one is easy to love!
For sale
$129,900
11075 Spencer Rd, Saint Charles, MI 48655
2beds
1,048sqft
Single Family Residence
Built in 1953
0.4 Acres Lot
$130,400 Zestimate®
$124/sqft
$-- HOA
What's special
Peaceful settingSurrounded by mature treesRecent paintCozy charmingNewer roofFun touches and characterCozy layout
- 22 days |
- 1,233 |
- 104 |
Zillow last checked:
Listing updated:
Listed by:
Stephanie Filer 989-751-2899,
Real Estate One Great Lakes Bay 989-607-2100,
Matt Filer 989-397-3949,
Real Estate One Great Lakes Bay
Source: MiRealSource,MLS#: 50209178
Originating MLS: Saginaw Board of REALTORS
Originating MLS: Saginaw Board of REALTORSLoading...
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 2
Bedroom 1
- Features: Carpet
- Level: Main
- Area: 256
- Dimensions: 16 x 16
Bedroom 2
- Features: Carpet
- Level: Main
- Area: 110
- Dimensions: 10 x 11
Bathroom 1
- Features: Linoleum
- Level: Main
- Area: 70
- Dimensions: 10 x 7
Kitchen
- Features: Laminate
- Level: Main
- Area: 180
- Dimensions: 15 x 12
Living room
- Features: Carpet
- Level: Main
- Area: 240
- Dimensions: 20 x 12
Heating
- Forced Air, Space Heater, Other
Appliances
- Included: Range/Oven, Refrigerator, Water Heater
- Laundry: Main Level
Features
- Flooring: Carpet, Linoleum, Laminate
- Basement: Crawl Space
- Has fireplace: No
Interior area
- Total structure area: 1,048
- Total interior livable area: 1,048 sqft
- Finished area above ground: 1,048
- Finished area below ground: 0
Property
Parking
- Total spaces: 2.5
- Parking features: 2 Spaces, Garage, Detached, Electric in Garage, Garage Door Opener, Workshop in Garage
- Garage spaces: 2.5
Features
- Levels: One
- Stories: 1
- Has view: Yes
- View description: Rural View
- Frontage type: Road
- Frontage length: 70
Lot
- Size: 0.4 Acres
- Dimensions: 70 x 250
- Features: Deep Lot - 150+ Ft., Wooded, Unpaved, Rural, Easement
Details
- Additional structures: Garage(s), Workshop
- Parcel number: 26113174039000
- Zoning description: Residential
- Special conditions: Private
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Aluminum Siding
Condition
- New construction: No
- Year built: 1953
Utilities & green energy
- Sewer: Septic Tank
- Water: Public
Community & HOA
Community
- Subdivision: Spencer
HOA
- Has HOA: No
Location
- Region: Saint Charles
Financial & listing details
- Price per square foot: $124/sqft
- Tax assessed value: $124,000
- Annual tax amount: $2,180
- Date on market: 5/28/2026
- Cumulative days on market: 18 days
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,FHA,MIStateHsDevAuthority
- Road surface type: Paved
Estimated market value
$130,400
$124,000 - $137,000
$1,133/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/12/2026 | Listed for sale | $129,900$124/sqft |
Source:  MiRealSource #50209178 Report a problem | ||
| 6/8/2026 | Pending sale | $129,900$124/sqft |
Source: MiRealSource #50209178 Report a problem | ||
| 5/28/2026 | Listed for sale | $129,900$124/sqft |
Source: MiRealSource #50209178 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $1,748 -4.2% | $62,000 +22.5% |
| 2023 | $1,826 | $50,600 +8.1% |
| 2022 | -- | $46,800 +16.7% |
| 2021 | $1,686 | $40,100 +3.1% |
| 2020 | $1,686 +8.2% | $38,900 +21.2% |
| 2018 | $1,559 +90.6% | $32,100 +3.5% |
| 2017 | $818 | $31,000 +0.6% |
| 2016 | $818 | $30,800 +5.1% |
| 2014 | $818 | $29,300 -7% |
| 2013 | -- | $31,500 +1.3% |
| 2012 | -- | $31,100 -3.4% |
| 2011 | -- | $32,200 -13.9% |
| 2010 | -- | $37,400 +3.9% |
| 2009 | -- | $36,000 -7% |
| 2008 | -- | $38,700 +5.4% |
| 2007 | -- | $36,700 |
| 2006 | -- | $36,700 |
| 2005 | -- | $36,700 +12.2% |
| 2003 | -- | $32,700 +4.5% |
| 2002 | -- | $31,300 |
| 2001 | -- | $31,300 +2.3% |
| 2000 | -- | $30,600 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: 48655
Nearby schools
GreatSchools rating
- 7/10St. Charles Elementary SchoolGrades: PK-6Distance: 4.2 mi
- 6/10St. Charles Community High SchoolGrades: 7-12Distance: 4.3 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.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Michigan
- Saginaw County
- Saint Charles
- 48655
- 11075 Spencer Rd
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