Hemlock Homes with FHA Listing Terms

Hemlock Homes with FHA Listing Terms

Welcome to the Hemlock School District, a vibrant and nurturing educational community nestled in the heart of Saginaw County, Michigan. Known for its dedication to academic excellence and holistic development, Hemlock Schools provide a supportive environment where students thrive both academically and socially. The district boasts a range of innovative programs, experienced educators, and state-of-the-art facilities that cater to the diverse needs of its students, ensuring they are well-prepared for their futures.

Families considering a move to this charming area will find a variety of homes available, many of which come with FHA listing terms. This is great news for first-time homebuyers or those looking to secure a property with more accessible financing options. FHA loans are designed to make homeownership attainable, allowing buyers to invest in their dream homes without the burden of hefty down payments or stringent credit requirements.

Living in Hemlock means enjoying a close-knit community where neighbors become friends, and children can play safely outdoors. The district's commitment to fostering a love for learning is reflected in its extracurricular activities, community events, and partnerships with local organizations. With a rich history and a bright future, Hemlock is not just a place to live, but a place to grow, learn, and create lasting memories.

Explore the wonderful homes available in Hemlock, where quality education and community spirit come together to create an ideal environment for families. Your dream home awaits!

Newest Hemlock Homes with FHA Listing Terms

$359,900
3 Beds ⋅ 2 Baths ⋅ 20261058755 MLS ⋅ ACTIVE Status
Welcome home to this beautiful ranch brick home located in a prime location on a large, 3/4 acre lot across from Hemlock High School. Over 2000 sf of comfortable living including 3 bedrooms and 2 full baths. Enjoy lounging in your Florida room or host family in your spacious great room. You'll appreciate the newer appliances in the kitchen and the pantry for storage. Outside you'll find a huge deck with "Sunsetter" brand awning for those relaxing summer evenings. Recent updates include: new vinyl plank flooring and paint in the great room, dining room, and main bedroom, along with a newer roof (2018), water heater and water softener.

856 N Hemlock Road, Hemlock
$239,900
3 Beds ⋅ 2 Baths ⋅ 50216412 MLS ⋅ ACTIVE Status
Welcome to this beautifully updated 3-bedroom, 2-bath home in the heart of Hemlock! Featuring a versatile bonus room that’s perfect for a home office, playroom, or guest space, this property offers the flexibility today’s buyers are looking for. Recent updates include stylish new flooring, fresh paint throughout, and two completely remodeled bathrooms, making this home truly move-in ready. In addition to the attached 1-car garage, you’ll love the oversized 2-car detached garage—ideal for extra vehicles, hobbies, storage, or a workshop. Situated on over 1.4 acres, this property provides the perfect blend of privacy and open space, with plenty of room for outdoor entertaining, gardening, recreation, or simply enjoying the peaceful surroundings. If you’ve been searching for a home that combines modern updates with country charm, this is one you won’t want to miss!

14460 Collier Road, Hemlock
$324,900
3 Beds ⋅ 2 Baths ⋅ 50216082 MLS ⋅ ACTIVE Status
Beautifully restored, thoughtfully updated—Chip and Joanna Gaines would drool over every custom detail! Don’t let the age of this home fool you: updated plumbing and electrical pair with the solid bones and irreplaceable character. In many ways, it’s better than a new build—full of personality, beautifully upgraded and anything but cookie-cutter. This meticulously maintained home sits on 1.5 peaceful acres with no close neighbors. Surrounded by open farmland, the rural views look like they came straight out of a painting at Hobby Lobby. Inside, original character blends beautifully with fresh, updated design. The showstopping custom kitchen features full-slab, live-edge wood countertops, abundant cabinetry, a farmhouse sink and an incredible 4-by-9-foot quartz island. An eat-up bar is perfect for morning coffee, quick meals or catching up at the end of the day. The living room’s one-of-a-kind metal ceiling delivers unforgettable personality, while the custom entertaining bar with granite countertops creates a space made for gathering. French doors open to the back deck and outdoor living space. Both bathrooms have been beautifully updated with quartz surfaces and a fresh, modern touch. The main floor offers laundry, a full bath with dual sinks, and an office with gorgeous built-ins that could potentially serve as a fourth bedroom—creating an option for main-floor sleeping, bathing, and laundry. Plush carpeting adds warmth and comfort to the bedrooms, while durable luxury vinyl flooring flows throughout most of the remaining home, with tile at the back entrance. Upstairs, the primary bedroom feels like a private retreat with its own fireplace and sliding doors opening to a balcony overlooking the fields. The backyard is an at-home getaway! Enjoy the heated above-ground pool, thoughtfully surrounded by decking that gives it an in-ground feel and helps extend the swimming season beyond Michigan’s hottest summer days. Let the kids play on the playset, host a BBQ on the back deck, or swing near the fire with your favorite beverage. Apple, peach, pear, and cherry trees, along with raspberry bushes, add even more sweetness to country living. The oversized 23-by-37-foot garage provides plenty of parking and storage, plus space for projects or hobbies. Located in the Hemlock School District and convenient to Hemlock-area employers and the growing semiconductor industry. The home is served by natural gas and features a well installed in 2011, a septic system installed in 2012, a furnace approximately seven years old, and a roof with plenty of useful life remaining. If you’ve been searching for a beautifully restored country home with acreage, privacy, flexible main-floor living, a truly custom kitchen, an oversized garage and a backyard made for memory-making—this is the one!

1210 N Steel Road, Merrill
$379,000
3 Beds ⋅ 2 Baths ⋅ 50216067 MLS ⋅ ACTIVE Status
This beautiful well-maintained 3-bedroom ranch features an inviting open-concept layout with soaring cathedral ceilings. The spacious kitchen boasts granite countertops, abundant cabinetry with granite countertops and convenient first-floor laundry. The large primary bedroom offers a walk-in closet for ample storage. A full basement with an Egress window provides additional space and potential. Step outside to a peaceful patio overlooking 3.52 acres, offering a serene country setting in Richland Township. High-Speed Fiber Optic 1GBit internet connection available.

2597 N Hemlock Road, Hemlock
$549,900
3 Beds ⋅ 3 Baths ⋅ 50213697 MLS ⋅ ACTIVE Status
Welcome home to this immaculate Lake Cecil residence offering more than 2,700 sqft. The main floor features generous living areas, kitchen, laundry, 2 bedrooms, and seamless flow to outdoor entertaining spaces framed by beautifully maintained landscaping. The second floor offers an open loft arae, and primary suite that is a true retreat with a spacious bathroom, walk-in closets, and a private balcony. The fully finished basement adds versatile square footage—perfect for a media room, gym, playroom, or guest suite. Additional highlights include a built-in stand-up tanner for at-home convenience and a whole-house generator for reliable backup power. Park with ease in the attached three-car garage and enjoy the peaceful Lake Cecil setting.

1944 E Lake Circle Drive, Saginaw
$209,900
3 Beds ⋅ 1 Baths ⋅ 50212414 MLS ⋅ ACTIVE CONTINGENT Status
This three bedroom, one and a half bathroom is located in the Hemlock School District. The living room and family room both feature gas fireplaces, which make great focal points for the rooms. You'll find plenty of cupboards and cabinets for kitchen storage. Besides kitchen storage, you'll find built-in storage in the bedrooms. The house sits on an oversized lot, giving you almost an acre of land. You can enjoy the fenced yard from the patio, or gathered around the fire pit. Finally, you'll find plenty of parking in the large driveway with space to turn around. Don't miss out, schedule you're showing today!

214 N Hemlock Road, Hemlock
$514,900
4 Beds ⋅ 3 Baths ⋅ 20261046114 MLS ⋅ ACTIVE CONTINGENT Status
A breathtaking countryside escape tucked away on 5 partially wooded acres in the heart of Hemlock! This exceptional home delivers a beautifully crafted living space where luxury meets the tranquility of nature.The heart of the home is a chef's dream kitchen, complete with stainless steel appliances, stunning quartz countertops, a classic tile backsplash, double wall ovens, and a stainless steel farmhouse sink. The open-concept design seamlessly connects the kitchen to a generous living room boasting soaring vaulted ceilings and a wood burning fireplace — perfect for cozy evenings and entertaining alike. Slide open the door and step onto the covered back deck, where peaceful wooded views and visiting wildlife make every moment feel like a getaway. Rich hardwood flooring flows throughout the main level, adding warmth and elegance to every room.Retreat to the main-floor primary suite, complete with a walk-in closet and a private ensuite bath. Additional bedrooms share a thoughtfully designed Jack-and-Jill bathroom — ideal for family or guests. A finished upper loft rounds out the interior, offering flexible space perfect for a home office, recreation room, or extra storage.Outside, the property truly sets itself apart. An attached 2.5-car garage with heated floors keeps vehicles and gear protected year-round, while the jaw-dropping 40' x 72' heated pole barn takes functionality to another level — featuring in-floor radiant heat, vaulted ceilings, a full bathroom, and running water. Whether you're a hobbyist, entrepreneur, or simply need serious storage and workspace, the possibilities here are truly endless.All of this, wrapped in the peace and privacy of country living — yet conveniently close to local amenities. Properties like this don't come along often. Don't miss your chance to make it yours!

14380 Dice Road, Hemlock
$399,999
3 Beds ⋅ 2 Baths ⋅ 50205186 MLS ⋅ ACTIVE Status
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.

15251 Geddes Road, Hemlock
$349,900
2 Beds ⋅ 1 Baths ⋅ 50202567 MLS ⋅ ACTIVE Status
Recharge & Retreat on Raucholz! Looking for a property where you know exactly what you're buying? A recent home inspection, satisfactory well and septic reports, and contractor estimates for known improvements are available for buyers to review before making an offer. Buy with confidence, knowing the homework has already been done and the home has been priced with these considerations in mind. Whether you're searching for peaceful country living, a weekend getaway, or a furnished short-term rental opportunity, this one-of-a-kind property offers a lifestyle that's hard to find. Nestled on a beautiful setting with your own spring-fed, fully stocked pond, this property invites you to fish, kayak, swim, or simply unwind while taking in the peaceful views. Relax in the hot tub after a long day, enjoy coffee from the covered patio, and watch the abundant deer and turkey that frequent the property. Inside, you'll find a home that was tastefully updated in 2023, featuring fresh paint throughout, Lifeproof® waterproof luxury vinyl plank flooring, updated lighting fixtures, stylish finishes, and refreshed kitchen and bathrooms. Vaulted ceilings and abundant natural light create an inviting atmosphere, while the stunning floor-to-ceiling, locally sourced Michigan mosaic fieldstone see-through fireplace anchors the living and family rooms with warmth and timeless character. Currently offering 2 bedrooms plus flexible space (currently used at a bedroom but would make a great office or can be restored back to the entry/laundry area), the home also provides exciting potential to finish additional space into a guest suite with another bedroom, bathroom, and recreation room—creating the possibility of up to 4 bedrooms and 2.5 baths. Located just 10 minutes from Hemlock, 15 minutes from Freeland, and a short drive to Saginaw, Midland, and Bay City, you'll enjoy the perfect balance of peaceful privacy and everyday convenience. Furniture and hot tub can be included with full price offer. If you've been searching for a property with character, water, wildlife, privacy, and the opportunity to build equity, this is one you won't want to miss. Schedule your private showing today!

4403 N Raucholz Road, Hemlock
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