Saginaw Homes with Land Contract Financial terms

Welcome to Saginaw County, Michigan, a hidden gem nestled in the heart of the Great Lakes region. Known for its rich history, vibrant culture, and stunning natural landscapes, Saginaw offers an inviting atmosphere for families, retirees, and everyone in between. With a diverse array of parks, recreational areas, and community events, you’ll find plenty of opportunities to explore the great outdoors or engage with friendly neighbors.

Saginaw County boasts a unique blend of urban and rural living, featuring charming small towns alongside the bustling city of Saginaw itself. Here, residents enjoy a low cost of living, excellent schools, and a strong sense of community. Whether you’re looking for a cozy home in a quiet neighborhood or a spacious property with room to grow, Saginaw has something to suit every lifestyle.

For those considering purchasing a home, Saginaw County offers flexible financing options, including homes available with land contract terms. This innovative financing method allows buyers to secure their dream home without the traditional mortgage process. With a land contract, you can make manageable monthly payments directly to the seller, allowing for greater flexibility and accessibility. This option is particularly beneficial for first-time homebuyers or those looking to invest in property without the stringent requirements often associated with conventional loans.

Explore Saginaw County today, and discover the perfect blend of community, convenience, and opportunity waiting for you. Whether you’re ready to buy or simply want to learn more, we’re here to help you navigate the exciting journey of homeownership in this charming corner of Michigan!

Newest Saginaw Homes with Land Contract Financial terms

$19,900

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 70547228 MLS

1810 Carroll Street, Saginaw

Listing Courtesy of Real Broker, LLC, Office Phone: 855-450-0442

$99,900

ACTIVE Status ⋅ 50214829 MLS

Discover the perfect combination of storage, workspace, and recreation with this premium insulated storage condo. Whether you're looking for a secure home for your RV, boat, classic cars, business equipment, or envision the ultimate man cave or hobby space, this unit offers endless possibilities. Built for year-round use, Unit 8 a 25'x50' space, features radiant tube heat, insulated construction, and attractive white steel-finished interior walls and ceilings for a clean, bright, and durable finish. A convenient two-piece bathroom and interior hose hookup add everyday functionality, while a oversized 16' x 14' overhead door provide exceptional access for large vehicles and equipment. A separate 3' x 6'8" entry door with keypad access offers secure and convenient entry. Ownership is truly low maintenance with monthly association dues of just $100, covering all exterior building maintenance, lawn care, and snow removal—allowing you to spend more time enjoying your space and less time maintaining it. Best of all, each unit is fully customizable, giving you the opportunity to create the perfect space for your needs, whether it's additional storage, a workshop, entertainment area, office, or personal retreat. If you've been searching for a secure, modern, and versatile storage solution with room to make it your own, this is an opportunity you won't want to miss.

6340 Goose Drive Unit 8, Freeland

Listing Courtesy of Century 21 Signature Realty (Freeland), Office Phone: 989-921-7000

$350,000

ACTIVE Status ⋅ 50213574 MLS

Rare opportunity to acquire both a profitable, established automotive repair and transmission business and the accompanying real estate in a prime Saginaw location near downtown with convenient highway access. This well-known shop has been serving the community for over 40 years, with the current owners operating the business profitably during the two years they have owned it. Land contract terms are available, creating added flexibility for qualified buyers. The property features a well-maintained 40' x 100' commercial building with five service bays, 14-foot ceilings, and ample space to support a wide range of automotive services. Situated on a secured, fully fenced site with parking capacity for up to 200 vehicles, this property offers exceptional functionality and room for growth. The business currently provides general automotive repair, oil changes, exhaust services, transmission work, and more. The facility includes a customer waiting area, private office space, employee break room, bathroom, and additional storage areas. Included in the sale is an extensive inventory of equipment, featuring four hoists, compressors, tire machines, an alignment rack, and numerous additional tools and equipment necessary for continued operation. Recent capital improvements include new furnaces and a new hot water tank. A security system is already in place, and existing employees may be willing to remain, providing valuable operational continuity for a new owner. Whether you're an owner-operator, investor, or an established automotive business looking to expand, this turnkey opportunity offers proven profitability, valuable real estate, extensive equipment, an established customer base, and a strategic location with excellent accessibility. Contact us today for additional information, financial details, and to schedule a private showing.

0000 N Mechanic Avenue, Saginaw

Listing Courtesy of Modern Realty, Office Phone: 989-486-9770

$195,000

ACTIVE Status ⋅ 50213553 MLS

Discover the perfect combination of storage, workspace, and recreation with this premium insulated storage condo. Whether you're looking for a secure home for your RV, boat, classic cars, business equipment, or envision the ultimate man cave or hobby space, this unit offers endless possibilities. Built for year-round use, Unit 5 a 50'x50' space, features radiant tube heat, insulated construction, and attractive white steel-finished interior walls and ceilings for a clean, bright, and durable finish. A convenient two-piece bathroom and interior hose hookup add everyday functionality, while two oversized 16' x 14' overhead doors provide exceptional access for large vehicles and equipment. A separate 3' x 6'8" entry door with keypad access offers secure and convenient entry. Ownership is truly low maintenance with monthly association dues of just $200, covering all exterior building maintenance, lawn care, and snow removal—allowing you to spend more time enjoying your space and less time maintaining it. Best of all, each unit is fully customizable, giving you the opportunity to create the perfect space for your needs, whether it's additional storage, a workshop, entertainment area, office, or personal retreat. If you've been searching for a secure, modern, and versatile storage solution with room to make it your own, this is an opportunity you won't want to miss.

6340 Goose Drive Unit 5, Freeland

Listing Courtesy of Century 21 Signature Realty (Freeland), Office Phone: 989-921-7000

$219,000

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 50213242 MLS

Updated 1st story condo with new Appliances, Flooring and Paint. Prime location just one block away from Main Street in beautiful Frankenmuth. Many updates recently to the exterior. Each unit has a large private basement area with the option of private laundry hook-ups. Exact taxes to be set by the county. More units available in 2026 as renovations are complete.

240 W Tuscola Unit 2 Street Unit 2, Frankenmuth

Listing Courtesy of Rausch & Associates, Office Phone: 989-652-3238

$189,000

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 50213241 MLS

240 W Tuscola Unit 9 Street Unit 9, Frankenmuth

Listing Courtesy of Rausch & Associates, Office Phone: 989-652-3238

$219,000

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 50211828 MLS

Beautiful 2nd story two bedroom condominium in quiet setting conveniently located one block from downtown Frankenmuth. Recently renovated. All new appliances. Separate private storage basement included. Land contract available to qualified buyer. Why rent when you can own?

240 W Tuscola Unit 15 Street Unit 15, Frankenmuth

Listing Courtesy of Rausch & Associates, Office Phone: 989-652-3238

$50,000

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50210465 MLS

Tired of renting? Here's your opportunity to own a home! Located at 3326 Ruckle St in Saginaw, this 3 bedroom, 1 bath home offers 935 square feet of living space and is available on land contract terms. The property features a 1-car detached garage, a good-sized lot, and a ramp leading to the front entrance for added accessibility. The home does need some work, making it a great option for buyers looking to build equity through improvements. Whether you're searching for an affordable path to homeownership or an investment opportunity, this property has plenty of potential. Bring your ideas and make it your own! Schedule your showing today!

3326 Ruckle Street, Saginaw

Listing Courtesy of REMAX Edge, Office Phone: 810-636-9172

$153,900

ACTIVE UNDER CONTRACT Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 50210421 MLS

OPEN HOUSE CANCELLED 7/25/2026; Accepting Back Up Offers. Welcome to an established, well-manicured neighborhood in the city of Saginaw. Walking distance to the VA Hospital, Parks, and Shopping, you can be in a centralized location. This home was renovated in 2024. The bathrooms are nicely done with ceramic tile. There is a living room, formal dining room, large kitchen with a breakfast nook, a nice pantry , and 1/2 bath on the main level. Upstairs features a master suite with a balcony, two other large bedrooms, and a large bathroom with double sinks. The basement is finished with carpet and has a workshop. The furnace was replaced in 2025. There is an A/C Unit. Sump pump installed 2026. The backyard is small, long, and secured with a privacy fence. Call us to schedule a showing today! ONE YEAR HOME WARRANTY PAID BY LISTING AGENT WITH ACCEPTABLE OFFER.

15 Ruggles Road, Saginaw

Listing Courtesy of Pinnacle Realty, Office Phone: 989-295-3900

$55,000

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50209786 MLS

Welcome to a great home with a large basement ready for some tlc. This is available for a land contract. 10k down minimum

2506 Owen Street, Saginaw

Listing Courtesy of Keller Williams Preferred, Office Phone: 989-792-8200

$64,900

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50209138 MLS

Investment Opportunity! A renovated 3 bedroom 1 bathroom ranch with 12 foot ceilings in the living room. This home has been updated inside throughout. There is new electrical, new plumbing, a new roof, a new kitchen with granite and ceramic tile, a new decent sized bathroom, and new paint & flooring throughout. This home has a large fenced in backyard. It sits on a corner - dead end lot and has a garage. The tenant would like to stay. Lease began January 2026 at $1050 monthly. Give us a call for more info!

4415 Hiland Street, Saginaw

Listing Courtesy of Pinnacle Realty, Office Phone: 989-295-3900

$274,900

ACTIVE Status ⋅ 50206810 MLS

Located on high-traffic Dixie Highway in Bridgeport, this fully renovated mixed-use commercial opportunity brings multiple streams of income together in one turnkey package. The property features a completely updated bar ready for immediate operation, along with an attached fully renovated 2 bedroom, 1 bathroom apartment offering additional rental income and its own fenced yard. Included in the sale is the liquor license, liquor inventory, all equipment, tables, chairs, and furnishings, making this a true ready-to-go business opportunity for its next owner. Additional income potential comes from the play-for-fun casino machines, pool table, and ATM, with current revenue-sharing arrangements in place on the machines and pool table. The property also offers a small kitchen area, outdoor seating space for the bar, a large lot with plenty of parking, and excellent visibility in a strong traffic-count location. With major updates throughout and multiple income-producing components under one roof, this is a unique investment opportunity with strong upside potential.

5463 Dixie Highway, Saginaw

Listing Courtesy of Berkshire Hathaway HomeServices, Office Phone: 989-790-9292

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Provided through IDX through Realcomp II Ltd. Courtesy of HamadyRobinson, REALTORS®. Copyright 2026 Realcomp II Ltd. Shareholders. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing and that the data is deemed reliable but not guaranteed accurate by the MLS.