Charming 3-bedroom, 2-bath ranch with the potential for a 4th bedroom, den, or craft room in the finished lower level. The lower level also features a full bath and a second living area, offering plenty of versatility. The living room boasts a stunning decorative electric fireplace with a built-in heater. The kitchen is equipped with stainless steel appliances, including a stove, refrigerator, microwave, and dishwasher, all of which stay. The lower-level washer (only 2 months old) and dryer are also included. One of the bedrooms features a fun chalkboard-painted wall! This home is move-in ready, with a bright living room and dining area, an open kitchen with ample counter space, and a furnace and water heater installed in 2017. Fenced backyard and 1.5 car garage. Located just minutes from the Saginaw River in a welcoming sidewalk community.