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43 Sawmill Creek Trl, Saginaw, MI, 48603

4beds
4baths
3,643sqft
$579,000
$159price/sqft
$4,316/moest. monthly cost
$172,640/yrincome needed

About This Home

Experience effortless luxury in this beautifully maintained all-brick residence, perfectly situated on a signature hole within the prestigious gated Sawmill community. Designed for both comfort and style, this exceptional home built by Bailey Construction offers a seamless blend of elegance and functionality. The main level features three spacious bedrooms, each with its own private bath and two with walk-in closets, creating the ideal layout for privacy and convenience. The primary suite occupies one wing of the home, complete with fireplace, brand new carpeting, direct access to the outside patio, and an updated primary bath featuring a jacuzzi, separate shower, double sinks and heated marble floor tiles. The finished lower level further expands your living space with an additional bedroom featuring two large daylight windows, a full bath, and an oversized family room—perfect for entertaining or relaxing—and also contains four separate storage rooms. At the heart of the home, the well-appointed kitchen showcases granite countertops, a nearly new Sub-Zero refrigerator, Grabill cabinetry and a charming breakfast nook with serene views overlooking the golf course. An adjoining laundry room features a LG washer and dryer. Rich hardwood floors, oversized windows and doors, and fresh interior paint enhance the home’s bright, open feel. Step inside to discover an inviting, airy living and dining area that flows effortlessly to the covered porch and back patio—ideal for enjoying peaceful mornings or hosting guests. The driveway and walkways were redone in 2023, and are in perfect condition. Stunning golf course views can be appreciated from many vantage points throughout the home. This is a rare opportunity to enjoy refined, low-maintenance living in one of the area’s most sought-after communities. Please note that the listed property taxes are unusually high, because the home is currently taxed as a second residence.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

--
6/10
White Pine Middle SchoolGrades 6-83.3 mi
6/10
Heritage High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1997

Materials

  • Foundation: Basement,Concrete Perimeter
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Range/Oven,Refrigerator,Washer,Gas Water Heater
  • Laundry features: First Floor Laundry

Basement

  • Has basement: Yes
  • Basement: Concrete

Bathroom1

  • Features: Ceramic
  • Level: First
  • Area: 224

Bathroom2

  • Features: Ceramic
  • Level: First
  • Area: 60

Bathroom3

  • Features: Ceramic
  • Level: First
  • Area: 72

Bathroom4

  • Features: Ceramic
  • Level: Lower
  • Area: 63

Bedroom1

  • Features: Carpet
  • Level: First
  • Area: 270

Bedroom2

  • Features: Carpet
  • Level: First
  • Area: 266

Bedroom3

  • Features: Carpet
  • Level: First
  • Area: 120

Bedroom4

  • Features: Carpet
  • Level: Lower
  • Area: 195

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Features: Wood
  • Level: First
  • Area: 180

Family Room

  • Features: Carpet
  • Level: Lower
  • Area: 828

Features

  • Eat-in Kitchen
  • Flooring: Ceramic Tile,Hardwood,Carpet,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,097
  • Finished area above ground: 2,546

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,400
  • Total interior livable area: 3,643 sqft

Kitchen

  • Features: Wood
  • Level: First
  • Area: 180

Living Room

  • Features: Wood
  • Level: First
  • Area: 456

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 23123123125000
  • Zoning description: Residential
  • Special condition: Private

Features

  • Levels: One
  • Stories: 1
  • Frontage type: Golf Course
  • Frontage length: 120

Lot

  • Lot size: 0.42 Acres
  • Features: On Golf Course
  • Lot size dimensions: 120 x 151

Parking

  • Total spaces: 2.5
  • Parking features: Attached,Electric in Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Strong Wind
Tornado
Hail

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 $2,927$35,124
Home Insurance *$346$4,152
Property Taxes $646$7,752
Electricity $397$4,768
Total$4,316$51,792
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$147,977/yr
40% on housing$129,480/yr
45% on housing$115,093/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

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 48603$132
Saginaw County$85

vs Homes Sold Last Month

Median $/sqft

ZIP 48603$134
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
2026-04-28Listed for sale$579,000
2026-01-15Listing removed$579,000
2025-07-14Listed for sale$579,000
2002-03-13Sold$360,000
2001-12-20Sold$360,000

For Sale by Agent

AgentJan Hauck
BrokerageCentury 21 Signature Realty

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