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Jenn Smart

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13148 Saginaw , Clio, MI 48420
$160,000
Est. Payment: $833.78/mo
3 Bed
2 Bath
1127 Sqft
Status: active | Days on site: 35
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

Back on the market due to buyer financing, dont miss out on this fantastic home! Where comfort meets opportunity, this charming 3-bedroom, 1.5-bath home sits on nearly an acre along a main thoroughfare, offering both privacy and potential. Set back from the road and surrounded by neighboring homes, the property feels comfortably residential, with the sounds of traffic fading away once you’re home. While the property is currently zoned commercial, it has only ever been used as a residence. The home was purchased in 2024 using a residential mortgage despite the commercial zoning, demonstrating that residential financing is possible. Interested buyers are encouraged to contact the listing agent to be connected with a lender familiar with financing homes with commercial zoning. The seller has completed due diligence with the township, which indicated that rezoning to residential is unlikely due to the commercial zoning at the nearby corner. For a homeowner, this means you can continue to use the property as a residence just as it has been, but the zoning may also allow for certain small business or mixed-use opportunities, depending on township guidelines. For buyers thinking long term, this zoning could represent a unique advantage. Whether you simply enjoy the extra space and privacy of the lot or envision future possibilities, the flexibility of the zoning opens doors that typical residential properties may not offer. Adding to the opportunity, two neighboring lots are currently available for purchase, presenting the potential to expand your footprint or further explore future commercial possibilities in a high-visibility location. Well and septic inspections have already been completed and passed, offering peace of mind from day one. Whether you’re looking for a comfortable home with room to breathe or a property that offers long-term upside and flexibility, this one invites you to imagine what’s next.

Highlights

Listed by Kelsi Long , 989-475-5679 Century 21 Signature Realty - Bay City , 989-686-4500. MiRealSource, Inc. mls logo

Property Type

Residential

Lot/Acreage
0.83

Year Built

1979

County

Genesee

Area

Vienna Twp (25017)

School District

Clio Area School District

Listing ID

50201438

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:1
  • 1/2 Bathrooms:1
Above Ground Sq Ft:1127
Below Ground Sq Ft:0
Water:Private Well

Exterior Features

Lot Dimensions:105 x 343
Sewer:Septic
Principal Interest
$834
Taxes
$123

Home Price

$160,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$32,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$833.78

Principal

Taxes

Principal Taxes HOA Total
Monthly $833.78 $123.33 $0.00 $957.12
Yearly $10,005.39 $1,480.00 $0.00 $11,485.39
Total $300,161.61 $44,400.00 $0.00 $344,561.61
Lender profile image
So-Crates Johnson
Dust, Wind, Dude
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Market insight data is pulled from the same city as the listing being viewed (Clio, MI).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

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Data last updated: 2026-09-02T04:57:55.100Z

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