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127 W High St, Union City, MI, 49094

3beds
2baths
--sqft
$219,000
--price/sqft
$1,701/moest. monthly cost
$68,040/yrincome needed

About This Home

Updated Multifamily (Duplex) in Union City on the St. Joseph River! This move-in-ready property offers two spacious units with beautiful river views. The downstairs unit features 2 bedrooms, 1 bath, a kitchen with an eating area, a generous living room, and a sliding door leading to the back deck—perfect for enjoying the backyard and the scenic St. Joseph River. The upstairs unit offers 1 bedroom, 1 bath, a galley-style kitchen and living room. Conveniently located close to all amenities, this property is ideal for owner-occupants or investors alike. This company makes no warranty or representations about the contents of this data. It is the responsibility of the parties looking at the property to satisfy themselves as to accuracy of this information. Taxes were obtained from the local assessor and the taxes could change for the buyer after a closed transaction.

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

3/10
7/10
Union City Middle SchoolGrades 5-80.5 mi
5/10
Union City High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: 2 to 4 Units

Interior

Basement

  • Has basement: Yes
  • Basement: Michigan Basement

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Heating

  • Heating features: Forced Air

Property

Details

  • Parcel number: 12021H0500100100

Features

  • On waterfront: Yes
  • Waterfront features: River

Lot

  • Lot size: 0.58 Acres
  • Lot size dimensions: 96 x 263

Parking

  • Total spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Branch County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,107$13,284
Home Insurance *$161$1,932
Property Taxes $245$2,940
Electricity $188$2,259
Total$1,701$20,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,320/yr
40% on housing$51,030/yr
45% on housing$45,360/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 49094$129
Branch County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 49094$115
Branch County$142

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-04Listed for sale$219,000
2026-04-27Contingent$219,000
2026-04-01Price change$219,000
2025-09-26Listed for sale$219,900

For Sale by Agent

AgentAngie Marsh
BrokerageSouthern Marsh Realty

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