Exceptional waterfront living on the Tittabawassee River in Thomas Township! This beautifully updated property offers a rare combination of luxury, entertainment, privacy, and versatility with features that are truly hard to find anywhere else. The main home features 3 spacious bedrooms, 2 full baths, and 2 half baths, all thoughtfully updated including a newer roof and furnace in 2022. The stunning hickory kitchen is equipped with black stainless-steel appliances, granite countertops, luxury vinyl plank flooring, and convenient first-floor laundry. The inviting living room showcases a cathedral ceiling, gas fireplace with dimmable lighting, thermal controls, and decorative fire glass, creating a warm and elegant gathering space. The sizeable primary suite offers a private retreat complete with a steam shower enclosure for a spa-like experience at home. Additional peace of mind comes from the professionally installed security system featuring alarm monitoring, smoke detectors, motion sensors, and panic buttons. Designed for entertaining, the expansive rear deck overlooks the river and can comfortably accommodate large gatherings. A portion of the deck is covered, and the built-in natural gas grill makes outdoor cooking effortless. The beautifully landscaped grounds lead to a fire pit area, while the riverfront setting provides outstanding wildlife viewing, including frequent eagle sightings. Music lovers will appreciate the whole-home audio system with recessed speakers throughout the living room, lower level, front porch sitting area, veranda, fire pit area, and outdoor entertaining spaces. The fully finished lower level adds even more living space with a second full kitchen, bedroom and half bath, making it ideal for entertaining, extended family, or hosting guests. A standout feature of this property is the impressive detached pole barn offering abundant storage, heat, and its own washer and dryer. Above the barn is a beautifully updated 1-bedroom, 1-bath apartment with new flooring and paint, separately metered gas and electric service, and its own address—perfect for guests, rental income, a home office, or multi-generational living. Additional updates include a newer roof, fresh paint, and new carpeting. Relax on the charming covered front porch with its recessed sitting area and pine-finished ceiling. This one-of-a-kind waterfront property combines comfortable everyday living with exceptional entertaining spaces and unmatched flexibility—all in a desirable location that is convenient to shopping, entertainment and restaurants.
For sale
$539,000
2530 N River Rd, Saginaw, MI 48609
3beds
3,304sqft
Single Family Residence
Built in 1996
1.95 Acres Lot
$524,800 Zestimate®
$163/sqft
$-- HOA
What's special
- 7 days |
- 1,984 |
- 140 |
Zillow last checked:
Listing updated:
Listed by:
Wendy Schmitz 989-225-1740,
Real Estate One Great Lakes Bay 989-607-2100
Source: MiRealSource,MLS#: 50211658
Originating MLS: Saginaw Board of REALTORS
Loading...
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 2
- 1/2 bathrooms: 2
Rooms
- Room types: Family Room, Living Room, Basement Lavatory, Master Bedroom, Master Bathroom
Bedroom 1
- Level: First
- Area: 208
- Dimensions: 16 x 13
Bedroom 2
- Level: First
- Area: 182
- Dimensions: 14 x 13
Bedroom 3
- Level: First
- Area: 90
- Dimensions: 10 x 9
Bathroom 1
- Level: First
Bathroom 2
- Level: First
Kitchen
- Level: First
- Area: 315
- Dimensions: 21 x 15
Living room
- Level: First
- Area: 540
- Dimensions: 30 x 18
Heating
- Forced Air, Natural Gas
Cooling
- Ceiling Fan(s), Central Air
Appliances
- Included: Dishwasher, Dryer, Range/Oven, Refrigerator, Washer, Gas Water Heater
- Laundry: First Floor Laundry
Features
- Sound System, Sump Pump, Walk-In Closet(s), Eat-in Kitchen
- Flooring: Hardwood
- Windows: Window Treatments
- Basement: Daylight,Finished,Full,Concrete,Sump Pump
- Number of fireplaces: 1
- Fireplace features: Living Room
Interior area
- Total structure area: 3,558
- Total interior livable area: 3,304 sqft
- Finished area above ground: 1,804
- Finished area below ground: 1,500
Property
Parking
- Total spaces: 2.5
- Parking features: 2 Spaces, Attached, Detached, Electric in Garage, Garage Door Opener
- Attached garage spaces: 2.5
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck, Patio, Porch
- Exterior features: Built-in Barbecue, Outdoor Kitchen
- Has view: Yes
- View description: Water, River
- Has water view: Yes
- Water view: Water,River
- Waterfront features: Lake/River Access, River Front
- Body of water: Tittabawassee River Front
- Frontage type: Road
- Frontage length: 175
Lot
- Size: 1.95 Acres
- Dimensions: 175 x 466 x 178 x 464
- Features: Deep Lot - 150+ Ft., Main Street, Rural
Details
- Additional structures: Pole Barn, Second Garage
- Parcel number: 28123133002000
- Zoning description: Residential
- Special conditions: Private
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
- Foundation: Basement, Concrete Perimeter
Condition
- New construction: No
- Year built: 1996
Utilities & green energy
- Sewer: Septic Tank
- Water: Public
- Utilities for property: Cable/Internet Avail., Cable Available, Natural Gas Connected, Water Connected
Community & HOA
Community
- Security: Security System
- Subdivision: None
HOA
- Has HOA: No
Location
- Region: Saginaw
Financial & listing details
- Price per square foot: $163/sqft
- Tax assessed value: $370,600
- Annual tax amount: $7,481
- Date on market: 6/16/2026
- Cumulative days on market: 8 days
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,FHA,VA Loan
Estimated market value
$524,800
$499,000 - $551,000
$2,733/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/19/2026 | Listed for sale | $539,000+13.5%$163/sqft |
Source: | ||
| 8/11/2023 | Sold | $475,000$144/sqft |
Source: | ||
| 7/2/2023 | Pending sale | $475,000$144/sqft |
Source: | ||
| 6/23/2023 | Listed for sale | $475,000+37.7%$144/sqft |
Source: | ||
| 9/13/2001 | Sold | $345,000$104/sqft |
Source: | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $4,971 -4.2% | $185,300 +26.4% |
| 2023 | $5,190 | $146,600 +7.9% |
| 2022 | -- | $135,900 +3.5% |
| 2021 | $4,959 | $131,300 +3.1% |
| 2020 | $4,959 +18.8% | $127,300 -10.7% |
| 2018 | $4,175 +15.4% | $142,500 +11.9% |
| 2017 | $3,618 | $127,300 +5.8% |
| 2016 | $3,618 | $120,300 -7.5% |
| 2014 | $3,618 | $130,000 +3.3% |
| 2013 | -- | $125,900 +11.2% |
| 2012 | -- | $113,200 -5.1% |
| 2011 | -- | $119,300 -4.4% |
| 2010 | -- | $124,800 -15.8% |
| 2009 | -- | $148,200 -8.6% |
| 2008 | -- | $162,200 -5.5% |
| 2007 | -- | $171,600 -0.4% |
| 2006 | -- | $172,300 -0.6% |
| 2005 | -- | $173,400 +5.1% |
| 2003 | -- | $165,000 +21.6% |
| 2002 | -- | $135,700 +14.1% |
| 2001 | -- | $118,900 +0.4% |
| 2000 | -- | $118,400 |
Find assessor info on the county website
Monthly payment
Est. payment$--/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.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 48609
Nearby schools
GreatSchools rating
- 9/10Robert B. Havens Elementary SchoolGrades: PK-5Distance: 2.5 mi
- 7/10Swan Valley Middle SchoolGrades: 6-8Distance: 2.4 mi
- 7/10Swan Valley High SchoolGrades: PK,9-12Distance: 2.5 mi
Schools provided by the listing agent
- District: Swan Valley School District
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
- Saginaw
- 48609
- 2530 N River Rd







