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245 W Girard Rd, Union City, MI, 49094

4beds
4baths
2,796sqft
$644,900
$231price/sqft
$4,582/moest. monthly cost
$183,280/yrincome needed

About This Home

*OPEN HOUSE SUNDAY MAY 3RD 3-4:30PM* WOW! The one you've been waiting for- The perfect, stunning country home centrally located and ready for you! Prepared to be amazed from the moment you turn off the road on to the concrete driveway lined with lights leading right to your stunning new home. The home consists of 4 bedrooms, 3 and a half baths, two of which are primary suites, a walkout basement, a layout that will never go out of style and a back deck overlooking your 3+ acres of total privacy. Walkout your basement on your stamped concrete sideway to turn on your waterfall and enjoy a bonfire next to the serene sounds of your pond. Peaceful tree lined property with not one but two ponds stocked with fish, a massive garden and gardening shed and the best part? A 30x40 pole barn. And no barn would be complete without its own BATHROOM! If that's not enough storage space rest assure the home has a 3 car heated garage! This home is the definition of custom and sure to impress anyone who visits it. Sellers have done numerous updating to the home notably including a top-of-the-line whole home water filtration system. This home is located just minutes north of Coldwater and located just off 11 Mile road ensuring easy commuting for Battle Creek and Marshall commuters as well. Truly ideal country location!! Contact the listing agent today for your private showing and be ready to be impressed.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

6/10
7/10
Legg Middle SchoolGrades 6-86.5 mi
6/10
Coldwater High SchoolGrades 9-126.8 mi

Construction

Condition

  • Year built: 1999

Materials

  • Roof: Composition
  • Construction materials: Brick,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Craftsman
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Oven,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Gas Dryer Hookup,Laundry Chute,Main Level,Sink

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),LP Tank Rented,Center Island
  • Window features: Insulated Windows,Window Treatments
  • Flooring: Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,193
  • Total interior livable area: 2,796 sqft

Property

Details

  • Parcel number: 02002320002501
  • Zoning description: Res

Features

  • Stories: 2
  • Waterfront features: Pond

Lot

  • Lot size: 3.21 Acres
  • Features: Wooded,Rolling Hills,Ground Cover
  • Lot size dimensions: irregular

Parking

  • Total spaces: 5
  • Parking features: Garage Faces Front,Garage Door Opener,Attached
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5

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
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Ice Storm
Lightning
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 $3,260$39,120
Home Insurance *$476$5,712
Property Taxes $542$6,504
Electricity $304$3,659
Total$4,582$54,984
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$157,097/yr
40% on housing$137,460/yr
45% on housing$122,186/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

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 49094$117
Branch County$162

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)

Price History

DateEventPrice
2026-04-29Listed for sale$675,000
2025-02-05Listing removed$549,000
2024-10-11Sold$640,000
2024-08-21Contingent$640,000
2024-08-07Price change$640,000
2021-12-13Pending sale$549,000
2021-10-06Listed for sale$549,000
2021-09-30Contingent$549,000
2021-09-17Listed for sale$549,000
2021-09-01Listing removed--
2021-06-03Listed for sale$549,000

For Sale by Agent

AgentSydney Butler Elevate Team
BrokerageMichigan Top Producers

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