13148 saginaw, clio, MI 48420

Where comfort meets opportunity, this charming 3-bedroom, 1.5-bath home sits on nearly an acre along a main thoroughfare, offering both privacy and potential. Set back from the road and surrounded by neighboring homes, the property feels comfortably residential, with the sounds of traffic fading away once youâ??re home. While the property is currently zoned commercial, it has only ever been used as a residence. The home was purchased in 2024 using a residential mortgage despite the commercial zoning, demonstrating that residential financing is possible. Interested buyers are encouraged to contact the listing agent to be connected with a lender familiar with financing homes with commercial zoning. The seller has completed due diligence with the township, which indicated that rezoning to residential is unlikely due to the commercial zoning at the nearby corner. For a homeowner, this means you can continue to use the property as a residence just as it has been, but the zoning may also allow for certain small business or mixed-use opportunities, depending on township guidelines. For buyers thinking long term, this zoning could represent a unique advantage. Whether you simply enjoy the extra space and privacy of the lot or envision future possibilities, the flexibility of the zoning opens doors that typical residential properties may not offer. Adding to the opportunity, two neighboring lots are currently available for purchase, presenting the potential to expand your footprint or further explore future commercial possibilities in a high-visibility location. Well and septic inspections have already been completed and passed, offering peace of mind from day one. Whether youâ??re looking for a comfortable home with room to breathe or a property that offers long-term upside and flexibility, this one invites you to imagine whatâ??s next.

Listing Courtesy of: Kelsi Long of Century 21 Signature Realty - Bay City

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Listing information provided courtesy of the Jackson Area Association of Realtors. IDX information is provided exclusively for consumers' personal, non-commercial use, and it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable, but is not guaranteed accurate by the MLS.

This listing last updated: Thu, March 12, 2026 at 12:49:25 PM EDT

BCRA Listing Data Last Updated on Sat, April 4 2026 at 2:33pm