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

$425,000
3 Beds ⋅ 3 Baths ⋅ 50221459 MLS ⋅ ACTIVE Status
Grab your golf clubs & come tee up in the backyard of this rare ranch find on the 14th fairway of Swan Valley Golf Course. Surrounded by mature trees and greenbelt, this well-maintained 3-bedroom, 3.5-bath ranch offers a spacious living room with gas fireplace, hardwood floors, a generously appointed kitchen with double ovens and tons of cabinetry, first-floor laundry, and a private primary suite with a huge walk-in closet and full bath. Off the kitchen/dining area, a bright 3-season porch opens to a stamped concrete patio overlooking the golf course—an ideal setting for morning coffee, entertaining, or simply enjoying the view. An attached 2.5-car garage with workshop area, lawn irrigation, and beautifully landscaped .45-acre lot complete the package. Head downstairs for an additional 1,200 sq. ft. of finished living space designed for entertaining and everyday flexibility. The lower level features a large family/recreation room, wet bar, fourth bedroom/office/den, bonus/media space, and full bath, along with new luxury vinyl flooring, a custom carpentry island, and solid surface countertops. Golf course living doesn't get much better than this!

1349 Kennely Road, Saginaw
$314,900
4 Beds ⋅ 2 Baths ⋅ 50221328 MLS ⋅ ACTIVE Status
Relax and unwind in your own private retreat!!! This 4-bedroom, 2-full-bath tri-level home in Thomas Township offers so much space. The kitchen features wood cabinets and a tile backsplash, while the home offers two separate living spaces. The main living room has double doors that open to a large deck overlooking the pond. The lower-level family room features a bar and a walkout to the pond, providing additional space for entertaining or relaxing. The property also includes a 2-car garage, an additional shed for storage, and vinyl windows and newer furnace. Schedule your showing today!

11495 Geddes Road, Freeland
$289,900
2 Beds ⋅ 2 Baths ⋅ 50219982 MLS ⋅ ACTIVE Status
First time available and an amazing opportunity! This home sits on just shy of 4 acres (treed and lots of wildlife!) AND includes a 4 car garage PERFECT for all of the car enthusiasts or those looking for extra storage space. Home was built in 1993 and has had all of the major updates completed within the last 10 years including the roof and furnace. Inside you will find 2 bedrooms (including a private primary suite), 2 full bathrooms, and a flex space that could be a third bedroom, den, office or formal dining room. There is also a large deck overlooking the private yard with access from the living room or primary bedroom. If you are looking for a quality built home that has privacy all while in a convenient location, THIS is it! Call today for your private showing.

1545 N Graham Road, Freeland
$169,500
2 Beds ⋅ 1 Baths ⋅ 50218627 MLS ⋅ ACTIVE BACKUP Status
ACCEPTING BACK-UP OFFERS- OPEN HOUSE SATURDAY 8-29-26 12PM- 2PM WELCOME TO RELAXING 2755 NORTH ORR RD. IN HEMLOCK MICHIGAN This Home has 2 Bedrooms and 1 Full Bath. It has an Updated Roof, Gas Furnace, Bathroom, and Flooring. Air Units are Included. This Property has a 32 x 28 Barn with Styrofoam Insulation and Electric Outlets on every Vertical. The Barn has Built in Storage, Workbench with Shelves, Drain in the Center, Led Lighting, Its own Fusebox and a Large 16 Foot Door. Gas is already Stubbed in for the Barn. New Water spicket in back. Fire Hydrane across the Street. This Home has Beautiful Mature Trees and a Firepit already in the Back. It is Conviently Located. Schedule your Showing with Me Today!

2755 N Orr Road, Hemlock
$372,500
3 Beds ⋅ 2 Baths ⋅ 20261062931 MLS ⋅ ACTIVE Status
4+ ACRES • COMPLETELY UPDATED RANCH • POLE BARN • SMART HOME • WHOLE-HOUSE GENERATOR. FULL BASEMENT! This home is packed with alot of punch. This 3-bedroom 1.5-bath brick ranch combines a private country setting with large Orchard and extensive modern updates. Completely updated in 2021, including a new roof, refreshed interior, updated kitchen with white cabinetry, beautiful countertops, tile backsplash, modern black accents and updated flooring throughout. This home is loaded with smart-home technology, allowing control of lighting, ceiling fans, switches, oven and thermostat for convenient everyday living. A new Generac whole-house generator was also installed in 2021, providing added peace of mind.Inside, you'll find both living and family room spaces with a bright, clean, contemporary feel. Outside is where this property really stands apart — approximately 4.13 private acres, mature trees and established landscaping, an attache 2.5 car garage plus 24x34 pole barn offering excellent space for vehicles, equipment, hobbies, toys or a workshop. Classic brick construction, covered porch and paved road complete the package. Updated, private, technologically equipped and move-in ready. Home has elivator and Basement has shower and double sided fireplace. — a property that's hard to duplicate!

575 S Hemlock Road, Hemlock
$309,000
3 Beds ⋅ 2 Baths ⋅ 50217495 MLS ⋅ ACTIVE Status
Move in ready ranch with a floor plan and location ripe for entertaining. Whether you are hitting the neighboring Swan Valley Golf course or enjoying the evenings on the deck overlooking the deep back yard with no rear neighbors this location is tough to beat. Updated horseshoe style kitchen with Amish built two tone cabinetry covered in Quartz countertops extends into the informal dining area with wall of cabinets and counter space. Large floor to ceiling wood accented billiards room with sprawling wet bar and bathroom containing dual sliders leading out to the oversized three season room for additional living space. High footage floor plan also includes family room with fireplace and slider to rear deck and large formal dining room for even more flex space. Quiet master bedroom on the back side of the home does have it's own recently updated private master bath. Other updates include roof, hvac and kitchen. Main floor laundry and high square footage without stairs makes for an easy living blueprint.

9561 Swan Valley Drive, Saginaw
$524,900
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
$367,999
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
$324,900
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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