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For sale
    • $273,000

    640 Lutzke Rd, Saginaw, MI 48609

    3beds
    1,933sqft
    : 
    Single Family Residence
    Built in 2005
    0.57 Acres Lot
    $267,600 Zestimate®
    $141/sqft
    $-- HOA

    What's special

    Spacious backyard oasisOver a half-acre lotCasual dining areaBeautifully updated en-suite bathGranite countertopsPrivate primary suiteUpdated kitchen
    Move right into this beautifully updated Thomas Township home situated on over a half-acre lot! Offering 3 bedrooms, 2 full baths, and 1,218 square feet of main living space — plus an additional 715 sqare feet of finished space in the basement with a family room, office, and washer and dryer. This home provides room to live, relax, and entertain comfortably. The main floor features a cozy living room with a gas fireplace, two bedrooms, a full bath, and an updated kitchen complete with granite countertops, stainless steel appliances, tile backsplash, and a casual dining area perfect for everyday living. Upstairs, retreat to your private primary suite featuring a double closet and beautifully updated en-suite bath — your own peaceful getaway at the end of the day. Step outside and enjoy your spacious backyard oasis. The patio is ideal for entertaining, while mature trees provide privacy and shade. The property also includes a heated pole garage with electricity — perfect for hobbies, storage, or extra workspace — along with an additional shed for even more storage. You’ll appreciate the added peace of mind this home provides, featuring a professionally installed generator interlock kit with backfeed capability, allowing you to safely power most of the home during outages. Washer and dryer can remain with an acceptable offer, offering added convenience and flexibility for the next owner. This home truly offers comfort, space, functionality, and thoughtful updates — all in a desirable location. Call today to schedule your private showing!
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    Zillow last checked: 8 hours ago

    Listing updated: March 03, 2026 at 08:22am

    Listed by:

    Theresa Guthrie 989-430-4560,

    RE/MAX of Midland 989-832-0090

    Source: MiRealSource,MLS#: 50200611MLS LogoOriginating MLS: Saginaw Board of REALTORS

    Tour with a local agent

    Facts & features

    Interior

    Bedrooms & bathrooms
    • Bedrooms: 3
    • Bathrooms: 2
    • Full bathrooms: 2
    • Main level bathrooms: 1
    • Main level bedrooms: 2
    Bedroom 1
    • Features: Carpet
    • Level: Second
    • Area: 224
    • Dimensions: 14 x 16
    Bedroom 2
    • Features: Laminate
    • Level: Main
    • Area: 132
    • Dimensions: 11 x 12
    Bedroom 3
    • Features: Laminate
    • Level: Main
    • Area: 100
    • Dimensions: 10 x 10
    Bathroom 1
    • Level: Main
    • Area: 45
    • Dimensions: 9 x 5
    Bathroom 2
    • Level: Second
    • Area: 40
    • Dimensions: 8 x 5
    Family room
    • Features: Carpet
    • Level: Lower
    • Area: 286
    • Dimensions: 26 x 11
    Kitchen
    • Features: Laminate
    • Level: Main
    • Area: 144
    • Dimensions: 9 x 16
    Living room
    • Features: Laminate
    • Level: Main
    • Area: 240
    • Dimensions: 15 x 16
    Office
    • Level: Lower
    • Area: 144
    • Dimensions: 12 x 12
    Heating
    • Forced Air, Natural Gas
    Cooling
    • Ceiling Fan(s), Central Air, Exhaust Fan
    Appliances
    • Included: Dishwasher, Disposal, Dryer, Microwave, Range/Oven, Refrigerator, Washer, Gas Water Heater
    Features
    • Sump Pump
    • Flooring: Carpet, Laminate
    • Basement: Finished,Full,Concrete,Sump Pump
    • Number of fireplaces: 1
    • Fireplace features: Gas
    • Common walls with other units/homes: No Common Walls
    Interior area
    • Total structure area: 2,112
    • Total interior livable area: 1,933 sqft
    • Finished area above ground: 1,218
    • Finished area below ground: 715
    Video & virtual tour

    Property

    Parking
    • Total spaces: 2
    • Parking features: Detached, Electric in Garage, Heated Garage
    • Garage spaces: 2
    Features
    • Levels: One and One Half
    • Stories: 1.5
    • Patio & porch: Patio, Porch
    • Frontage type: Road
    • Frontage length: 75
    Lot
    • Size: 0.57 Acres
    • Dimensions: 75 x 330
    • Features: Deep Lot - 150+ Ft., Wooded
    Details
    • Additional structures: Shed(s)
    • Parcel number: 28123254069001
    • Zoning description: Residential
    • Special conditions: Private

    Construction

    Type & style
    • Home type: SingleFamily
    • Architectural style: Traditional
    • Property subtype: Single Family Residence
    Materials
    • Vinyl Siding
    • Foundation: Basement, Concrete Perimeter
    Condition
    • New construction: No
    • Year built: 2005

    Utilities & green energy

    • Sewer: Public Sanitary
    • Water: Public
    • Utilities for property: Cable/Internet Avail., Sewer Connected, Water Connected

    Community & HOA

    Community
    • Subdivision: No
    HOA
    • Has HOA: No
    Location
    • Region: Saginaw

    Financial & listing details

    • Price per square foot: $141/sqft
    • Tax assessed value: $144,600
    • Annual tax amount: $2,787
    • Date on market: 3/3/2026
    • Listing agreement: Exclusive Right To Sell
    • Listing terms: Cash,Conventional,FHA,VA Loan,USDA Loan,MIStateHsDevAuthority
    • Road surface type: Paved
    Get pre-qualifiedBe ready to make an offer.
    Connect with an agentGet info on this home, tour, and more.
    Calculate monthly paymentSee if you can afford this home.

    Estimated market value

    $267,600

    $254,000 - $281,000

    $1,497/mo

    Price history

    Price history
    DateEventPrice
    3/3/2026Listed for sale$273,000+59.6%$141/sqft
    Source: MIDMLS #50200610 Report a problem
    10/9/2020Sold$171,000+6.9%$88/sqft
    Source: MiRealSource #50020956 Report a problem
    8/21/2020Pending sale$159,900$83/sqft
    Source: Century 21 Signature Realty #50020956 Report a problem
    8/18/2020Listed for sale$159,900+25.9%$83/sqft
    Source: Century 21 Signature Realty #50020956 Report a problem
    10/3/2016Sold$127,000-8.6%$66/sqft
    Source: MiRealSource #31301278 Report a problem
    8/26/2016Pending sale$139,000$72/sqft
    Source: RE/MAX New Image #31301278 Report a problem
    8/24/2016Listed for sale$139,000+134.3%$72/sqft
    Source: RE/MAX New Image #31301278 Report a problem
    6/4/2015Sold$59,325+6.5%$31/sqft
    Source: MiRealSource #30822035 Report a problem
    5/16/2015Price change$55,700+142.2%$29/sqft
    Source: All Star Real Estate Samborn & Assoc. Report a problem
    4/10/2015Price change$23,000-58.7%$12/sqft
    Source: HomeSearch.com Realty Services Inc #515-15-0050 Report a problem
    3/27/2015Listed for sale$55,700-58.5%$29/sqft
    Source: All Star Real Estate Samborn & Assoc. Report a problem
    12/3/2014Sold$134,204+38.1%$69/sqft
    Source: Public Record Report a problem
    10/25/2013Listing removed$97,157$50/sqft
    Source: Keller Williams - Saginaw #123541 Report a problem
    10/2/2013Price change$97,157-0.9%$50/sqft
    Source: Keller Williams - Saginaw #123541 Report a problem
    7/23/2013Price change$98,000-1%$51/sqft
    Source: Keller Williams - Saginaw #123541 Report a problem
    6/13/2013Listed for sale$99,000$51/sqft
    Source: Keller Williams - Saginaw #123541 Report a problem
    2/20/2013Listing removed$99,000$51/sqft
    Source: Keller Williams - Saginaw #123541 Report a problem
    1/31/2013Price change$99,000-10%$51/sqft
    Source: Keller Williams - Saginaw #123541 Report a problem
    12/30/2012Listed for sale$110,000-21.4%$57/sqft
    Source: Keller Williams - Saginaw #123541 Report a problem
    3/24/2011Listing removed$139,900$72/sqft
    Source: Owner Report a problem
    4/10/2010Price change$139,900-3.5%$72/sqft
    Source: Owner Report a problem
    3/15/2010Listed for sale$145,000-2%$75/sqft
    Source: Owner Report a problem
    1/21/2010Listing removed$147,900$77/sqft
    Source: Keller Williams #091887 Report a problem
    11/1/2009Price change$147,900-1.3%$77/sqft
    Source: Kay Kretz #091887 Report a problem
    8/15/2009Price change$149,900-3.2%$78/sqft
    Source: Kay Kretz #091887 Report a problem
    8/1/2009Listed for sale$154,900+252%$80/sqft
    Source: Kay Kretz #091887 Report a problem
    5/23/2005Sold$44,000$23/sqft
    Source: Public Record Report a problem

    Public tax history

    Public tax history
    YearProperty taxesTax assessment
    2024$2,226 -9.1%$72,300 +6.2%
    2023$2,448 $68,100 +8.3%
    2022-- $62,900 +8.8%
    2021$2,087 $57,800 +5.9%
    2020$2,087 +14.4%$54,600 -0.4%
    2018$1,825 -27.3%$54,800 +8.9%
    2017$2,511 $50,300 +1.6%
    2016$2,511 $49,500 -11.6%
    2014$2,511 $56,000 +7.7%
    2013-- $52,000 +6.6%
    2012-- $48,800 +1.2%
    2011-- $48,200 +10.8%
    2010-- $43,500 -25.4%
    2009-- $58,300 -11.7%
    2008-- $66,000
    2007-- $66,000 +0.3%
    2006-- $65,800 +324.5%
    2005-- $15,500

    Find assessor info on the county website

    BuyAbility℠ payment

    Est. payment
    $1,623/mo
    Principal & interest
    $1266
    Property taxes
    $357

      Climate risks

      Neighborhood: 48609

      Getting around

      32 / 100
      Car-Dependent
      39 / 100
      Somewhat Bikeable

      Nearby schools

      GreatSchools rating
      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.

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