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15251 Geddes Rd, Hemlock, MI, 48626

3beds
2baths
2,592sqft
$399,999
$154price/sqft
$2,977/moest. monthly cost
$119,080/yrincome needed

About This Home

Rare blend of rustic charm and low-maintenance construction — this 2,596 sq ft log-interior home offers 3 bedrooms and 2 full baths, including a main-level master en suite and convenient main-level laundry. Relocated to the property in 2016, the house is framed with 2x6 construction, fully insulated, finished inside with genuine log siding and protected outside with durable vinyl. Major systems (roof, furnace and well) date to approximately 2016; the crawl space is insulated, lined with visqueen and equipped with a sump pump. A bright 21 x 10 sunroom overlooks the massive, approximately 20-foot-deep stocked pond and opens to the back deck — perfect for morning coffee or evening sunsets. Enjoy a sandy beach area at the pond’s edge for swimming and relaxing. The kitchen features stainless steel appliances. Property amenities include a 24 x 35 pole barn, long driveway, secluded setting with abundant wildlife, RV parking, and additional parking/turnaround space. Tractor is negotiable. A survey is available. Ideal for buyers who want the warmth and character of a log home without the exterior upkeep.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

7/10
7/10
Hemlock Middle SchoolGrades 5-81.1 mi
8/10
Hemlock High SchoolGrades 9-121.0 mi

Construction

Materials

  • Construction materials: Aluminum Siding,Log,Vinyl Siding,Asphalt

Type & Style

  • Home type: SingleFamily
  • Architectural style: Log Home
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Microwave,Range/Oven,Refrigerator,Washer,Water Heater
  • Laundry features: First Floor Laundry,Main Level

Basement

  • Basement: Crawl Space

Bathroom1

  • Features: Tile
  • Level: Main
  • Area: 120

Bathroom2

  • Features: Tile
  • Level: Main
  • Area: 99

Bedroom1

  • Features: Carpet
  • Level: Main
  • Area: 234

Bedroom2

  • Features: Carpet
  • Level: Second
  • Area: 300

Bedroom3

  • Features: Carpet
  • Level: Second
  • Area: 336

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Dining Room

  • Features: Laminate
  • Level: Main
  • Area: 208

Family Room

  • Features: Laminate
  • Level: Main
  • Area: 176

Features

  • High Ceilings,Interior Balcony,Cathedral/Vaulted Ceiling,Sump Pump,Walk-In Closet(s)
  • Window features: Skylight(s)
  • Flooring: Carpet,Laminate,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 2,592

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 2,592
  • Total interior livable area: 2,592 sqft

Kitchen

  • Features: Laminate
  • Level: Main
  • Area: 117

Living Room

  • Features: Carpet
  • Level: Main
  • Area: 486

Master Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: Accessible Washer/Dryer

Details

  • Parcel number: 22122224004004
  • Zoning description: Residential
  • Special condition: Private

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Porch
  • Waterfront features: Pond,Beach Front
  • Frontage type: Road
  • Frontage length: 9999

Lot

  • Lot size: 9.89 Acres
  • Features: Deep Lot - 150+ Ft.,Rural
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 2
  • Parking features: Unassigned,Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Hail
Inland Flooding
Tornado

FEMA Declared Disasters in Saginaw County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,022$24,264
Home Insurance *$227$2,724
Property Taxes $446$5,352
Electricity $282$3,392
Total$2,977$35,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,068/yr
40% on housing$89,310/yr
45% on housing$79,386/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.8%
12.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$154This listing

vs Other Active Listings

Avg $/sqft

ZIP 48626$159
Saginaw County$85

vs Homes Sold Last Month

Median $/sqft

ZIP 48626$161
Saginaw County$108

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-07Price change$464,900
2026-04-23Listed for sale$472,900
2026-04-06Listing removed$474,900
2026-03-21Listed for sale$474,900
2026-03-17Contingent$474,900
2026-02-18Price change$474,900
2026-01-11Price change$479,900
2025-11-23Price change$499,900
2025-11-15Price change$519,900
2025-11-05Price change$529,900
2025-10-18Price change$539,900
2025-10-08Price change$569,900
2025-09-26Listed for sale$589,900
2018-10-18Sold$180,000
2018-08-09Sold$259,000

For Sale by Agent

AgentHerb Saenz
BrokerageModern Realty

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