Utica Homes with FHA Listing Terms

Utica Homes with FHA Listing Terms

Welcome to Utica, Michigan, a vibrant community nestled in the heart of Macomb County, where education and opportunity flourish. Known for its strong sense of community, Utica boasts a highly-rated school district that prioritizes student achievement and holistic development. Families are drawn to the area not only for its beautiful neighborhoods but also for the exceptional educational facilities that cater to students of all ages.

The Utica Community Schools district is one of the largest in Michigan, offering a diverse array of programs designed to meet the needs of every student. From advanced placement courses to special education resources, Utica schools are committed to fostering an inclusive environment that encourages academic excellence and personal growth. With dedicated educators and a variety of extracurricular activities, students in Utica are well-prepared for their futures, whether they pursue higher education or enter the workforce.

For those looking to make Utica their home, the real estate market is thriving, with many properties available under FHA listing terms. This means that first-time homebuyers and those seeking affordable housing options can find their dream home with ease. FHA loans are designed to make homeownership accessible, allowing buyers to invest in the community without the burden of hefty down payments.

Whether you’re a growing family or looking to settle down, Utica offers a welcoming atmosphere, excellent schools, and a variety of homes that fit your needs. Come discover the charm of Utica, where quality education and comfortable living go hand in hand!

Newest Utica Homes with FHA Listing Terms

3 Beds ⋅ 3 Baths ⋅ 20261074058 MLS ⋅ ACTIVE Status

Welcome to 11921 Raintree Court, a well-appointed ranch in Shelby Township’s desirable Lake Arrowhead community. Situated on approximately .43 acres, this 3-bedroom, 2.5-bath home offers 2,646 square feet of thoughtfully designed first-floor living, along with an exceptional finished basement.The main level features a comfortable flow between the living spaces, including a formal dining room with maple hardwood flooring and a spacious family room centered around a beautifully updated gas fireplace. The kitchen offers extensive cabinetry, built-in storage, organizational features and an adjoining breakfast area. The primary suite includes a private full bath and walk-in closet, with two additional bedrooms providing flexibility for family, guests or office space.The finished lower level significantly expands the living space, with a large recreation/game area, additional living room, dry bar, office or exercise room, workshop and abundant storage. The attached garage is finished and includes additional workshop and storage functionality.Numerous improvements throughout the home include the updated kitchen and bathrooms, renovated laundry room, refinished hardwood flooring, updated lighting, extensive trim and molding, newer Anderson windows, roof, water heater and improvements to the fireplace. The exterior offers mature landscaping, established gardens and a spacious yard with room to enjoy the outdoors.Located in the Utica Community Schools district and close to shopping, dining, parks and major thoroughfares, this Lake Arrowhead ranch offers the combination of one-level living, substantial finished space and an established setting that is increasingly difficult to find.

11921 Raintree Court, Shelby Twp

4 Beds ⋅ 2 Baths ⋅ 50221802 MLS ⋅ ACTIVE Status

OPEN HOUSE SUNDAY, 9/18: Noon - 2 pm. STUNNING split-level home in gorgeous family neighborhood. Such a RARE find in highly desired TYMBER RIDGE SUB. This lovely, updated & meticulously kept home includes a beautiful 1st floor master suite w/his & her vanity, soaking tub, separate shower, & walk-in-closet. Generous size Den/library, FIRST FLOOR LAUNDRY & powder rm on main floor. Your new kitchen has a 2 x 4 island & offers a doorwall to step out to your huge 34 x 18 paver patio. Patio offers beautiful landscaping for privacy. Upstairs you'll find a spacious overlook of the great rm & foyer, 3 bedrooms & another full bath. Basement is partially finished & includes a HUGE 12 x 6 pantry, 12 x 27 carpeted office and a 10 x 7 workout room. The main living area in the basement is a blank pallet for your heart's desire to finish. The 2-1/2 car garage has plenty of room for your lawn equipment & 2 cars. For PEACE OF MIND: Newer Furnace, AC: 2021, Roof: 2024, Windows: 2010-2015, Driveway: 2022. PROFESSIONAL PICS TO BE UPLOADED SOON!

3773 Lake Forest Drive, Sterling Heights

4 Beds ⋅ 3 Baths ⋅ 20261073854 MLS ⋅ ACTIVE Status

Beautifully maintained 4-bedroom Colonial 2.5 bath in the desirable Utica Community Schools district! Featuring hardwood floors, crown molding, and an updated eat-in kitchen with granite countertops and tile backsplash. Spacious family room with gas fireplace opens to a beautifully landscaped backyard. Upstairs offers four generous bedrooms, including a primary suite with double closets and private bath. Newer roof, A/C, high-efficiency Lennox furnace, and vinyl siding. This home is very well maintained by the current owner and ready to welcome its next chapter!

37318 Catherine Marie Drive, Sterling Heights

3 Beds ⋅ 4 Baths ⋅ 20261072064 MLS ⋅ COMING SOON Status

Location, Location, Location! Welcome to this Beautifully updated 3-bedroom, 3.1-bath ranch home in Sterling Heights, situated on a spacious 0.45-acre lot. The home has been extensively updated in 2025 and 2026 and is move-in ready. Updates include new flooring (2025), updated kitchen cabinetry, and 2025 Samsung appliances including refrigerator, oven, dishwasher, washer and dryer. Fresh interior painting was completed in 2026. The first floor offers an additional office/bonus room that provides flexible space for a home office, guest room, or other uses. The finished walk-out basement was completed in 2026 and provides additional living and recreation space with direct access to the backyard. Additional updates include a new furnace (2026), roof (2018), landscaping (2025), and sprinkler system. The home features approximately 2,137 sq. ft. living space, a fireplace, 2-car attached garage, and a spacious yard. Convenient location near shopping, dining, schools, parks, and major roads. Move-in ready ,This beautifully updated home offers incredible space, a fantastic lot, and a convenient location. It is sure to attract attention and won't last long! Schedule your showing today!

5454 Branch Street, Sterling Heights

3 Beds ⋅ 3 Baths ⋅ 20261074245 MLS ⋅ ACTIVE Status

After 30 years of ownership by the same family, this cherished, corner lot, Sterling Heights colonial is ready for its next chapter. It is a bittersweet transition for the sellers, who have enjoyed the home, its spacious layout, and its exceptional location within walking distance of the elementary, middle, and high schools. The Sterling Heights Community Center and downtown recreation opportunities add to the convenience and enjoyment of this established neighborhood. The home offers generous living spaces for everyday comfort and entertaining. A bright great room features vaulted ceilings, a gas fireplace, and abundant natural light. The cozy family room offers custom built ins, oversized windows, a wood burning fireplace, and an elevated tile hearth. A formal dining room with wainscoting and a main level lavatory add classic function and detail. The modern kitchen includes maple cabinetry, Corian counters, a peninsula layout, large eat in area, and included appliance package. Upstairs, the massive primary bedroom is a true retreat with double closets, a walk in closet, and private ensuite bath with soaking tub and walk in shower. Extra large secondary bedrooms provide ample closet space and flexibility for family, guests, or home office use. Recessed lighting, six panel doors, and updated vinyl windows complement the home, while all carpeting was replaced in 2023. The partially finished basement adds valuable usable space with finished flooring, lighting, glass block windows, and an additional sink basin. Major updates include a brand new roof, furnace, and hot water tank in 2025, an updated 150 amp electrical panel, and new overhead garage doors and openers in 2023. Outside, the spacious fully privacy fenced backyard offers a large patio and oversized storage shed, creating an excellent setting for relaxing, entertaining, and storing seasonal equipment. This is an excellent opportunity in highly desirable area! Welcome home!

41764 Tetley Drive, Sterling Heights

4 Beds ⋅ 2 Baths ⋅ 50221770 MLS ⋅ ACTIVE Status

You know that Iconic Little Black Dress? The one you keep, that's timeless, elegant, the one everyone looks and feels their best in and will be complimented in every corner you turn ... this is the home version, The Little Black Address. This is not just black and white decor — it's a dress code. Tailored to fit your lifestyle like a Givenchy dress. Crisp white cabinetry, sleek black accents, and windows that wear like perfectly placed eyeliner and go with everything. A combo that's as timeless as pearls and dark sunglasses. Pardon me while I make an entrance — Holly Golightly would have definitely ditched the fire escape for this staircase. It's paparazzi-ready, glass & black trim, and knows how to make an entrance worthy of an Academy Award without saying a word. Aaahhh... this is LIVING! A room basking in natural light that shimmers like a perfectly cut diamond. So precious we encased it in its own type of vault — vaulted ceilings — and a double-sided fireplace that knows how to command the room quietly. I believe in Breakfast at Tiffany's. Why gaze through a shop window when you can serve 5-star glamour at home? This kitchen island takes center stage for a quick morning coffee and a croissant — a kitchen designed to prep an effortless spread for an elegant dinner party or a toast at midnight. Every bedroom is like a sanctuary, but the primary one is like a glam appointment — spa-styled bath with a soaking tub, well-lit vanities, and a walk-in closet that you will actually walk into and edit. Every grand-feeling estate has a feeling you can capture from an intimate, private paver patio where golden hour cocktails can be shared under the stars. You know what would bring it all together? Like a dream maker — a creek that runs along the backyard, your own Moon River, per se. As Audrey Hepburn said, “Elegance is the only beauty that never fades.”

47042 Willingham Way, Shelby Twp

2 Beds ⋅ 2 Baths ⋅ 20261071838 MLS ⋅ ACTIVE Status

Welcome to this beautifully maintained Cobblestone Ridge ranch condo, offering a wonderful combination of comfortable living, thoughtful updates and abundant storage. The light-filled great room makes an immediate impression with its soaring vaulted ceiling, dramatic arched window and 2-way fireplace, complemented by beautiful extensive hardwood flooring throughout the main living areas. The kitchen features custom cabinetry, generous workspace and an adjoining dining area, while custom built-in office cabinetry creates a convenient dedicated workspace. Both bathrooms have been updated, including a spacious and private Master bath with walk-in jetted tub. The Master retreat also includes dual closets, one being a generous walk-in. First floor laundry. Additional improvements include Wallside windows (2018), furnace, A/C and water heater (2017), rebuilt decks, blown-in wall insulation, custom pantry/utility room and professional interior/exterior painting. Roof approx. 2011. Exterior maintenance is scheduled for late September, including replacement of deteriorated wood as needed, sanding and fresh paint. A spacious basement provides excellent storage and future possibilities. Seller is exempt from property taxes due to Veteran exemption. Exterior maintenance is scheduled for late September, including replacement of deteriorated wood as needed, sanding and fresh paint. Agent related to Seller.

16893 Boulder Way, Macomb

4 Beds ⋅ 3 Baths ⋅ 20261074052 MLS ⋅ ACTIVE Status

Stunning contemporary home in the sought-after Regency Hills subdivision. Prime location just minutes from Downtown Rochester, Stoney Creek Lake, and within walking distance to the neighborhood park, Clinton River, and nearby biking/walking trails.The home has been extensively updated over the past 7 years, featuring new flooring throughout, imported European cabinetry, and a warm family room with a natural wood fireplace. The bright entry foyer showcases an oak curved staircase with decorative metal spindles.The spacious kitchen includes an oversized island with seating and sliding doors leading to a covered deck with skylights—ideal for entertaining. The large primary bedroom connects to a bright, luxurious bathroom with a glass walk-in shower, dual vanity, tankless toilet, and a relaxing jacuzzi tub.Additional highlights:Wi-Fi enabled thermostat and sprinkler systemSecurity camera monitoringNewer HVAC (approx. 4 years old)All appliances only a few years oldWindows replaced 8 years ago with a transferable 22-year warrantyThis home is truly move-in ready. Photos tell the story—don’t miss it.

1953 REGENCY HILLS Drive, Shelby Twp

4 Beds ⋅ 4 Baths ⋅ 20261074002 MLS ⋅ COMING SOON Status

Tucked away on a desirable cul de sac, this absolute beauty offers a rare combination of style, warmth, privacy, and an exceptional setting. Highlights include hardwood floors, beautiful kitchen cabinetry, a dramatic cathedral beamed ceiling in the great room, gas fireplace, crown moldings, ceramic tile, and a neutral interior. The finished basement provides exceptional additional living space with a spacious recreation room, bedroom, bath, and private office perfect for working from home, guests, entertaining, or extended family. The backyard is truly the showpiece. A spectacular 3 tier deck with gazebo overlooks a peaceful spring fed pond, creating a private oasis that feels worlds away while still being in the heart of Sterling Heights. This is the kind of backyard setting that rarely becomes available. See attached list of recent updates and improvements. This is a truly special home in a one of a kind setting. It is a must-see!

40820 Brightside Court, Sterling Heights

4 Beds ⋅ 3 Baths ⋅ 50221650 MLS ⋅ ACTIVE Status

THIS. IS. THE. ONE!!! A BETTER THAN NEW 4 Bedroom, 3.5 Bath corner lot, cul-de-sac home located across from Duncan Elementary in the highly desired Willow Ridge Farms subdivision! This home is truly your dream come true as the original owners love of ownership shows from the front door to the view at every corner. The beautifully finished basement with a wet bar, gorgeous full bathroom, and additional living space is ready to meet your every need... the perfect place to entertain and spend your time during the long, Michigan winter months. NUMEROUS UPDATES have thoughtfully been made and are ready for your enjoyment: bathroom; kitchen; door wall and some windows; roof; furnace. YOUR DREAM HOME IS READY AND AWAITING YOUR ARRIVAL! Schedule your showing today!

57762 Hawthorn Drive, Washington

3 Beds ⋅ 2 Baths ⋅ 20261073703 MLS ⋅ ACTIVE Status

Welcome home to this charming 3-bedroom, 1.5-bath brick home in Utica schools. Featuring vinyl plank flooring and a bright functional layout. The kitchen offers stainless steel appliances and butcher block countertops, adding a warm and modern touch. Enjoy additional entertainment and storage space in the basement. Outside, a 2-car detached garage provides plenty of room for parking, storage, or a workshop. A great opportunity for anyone looking for a move-in-ready home! Schedule your showing today!

41462 Harvard Drive, Sterling Heights

4 Beds ⋅ 2 Baths ⋅ 50221612 MLS ⋅ ACTIVE Status

Better than new construction! This home has been extensively upgraded since 2022, delivering quality, luxury finishes, and smart upgrades today's most particular buyers are searching for. The striking two-sided staircase has been upgraded to hardwood, complemented by new 15mm engineered hardwood flooring and 5 1/4-inch baseboards throughout the home. The spacious great room boasts a gas fireplace framed by a modern stone accent wall. The kitchen shines with beautiful wood cabinetry, a large island, stylish backsplash, and a walk in pantry. Both full bathrooms were updated with floor-to-ceiling tile. Elegant lighting flows throughout. The primary suite offers a huge walk in closet and updated ensuite bath, plus 3 additional large bedrooms and second floor laundry for everyday convenience. Outside, enjoy professionally designed landscaping, a fenced yard, an exposed aggregate patio with a lanai, plus exposed aggregate sidewalks wrapping both sides of the home. A highly desirable 3-car side-entry garage with professionally finished epoxy flooring completes this exceptional home.

54321 Deadwood Lane, Shelby

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