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203 S Main St, Montgomery, MI, 49255

4beds
1baths
1,400sqft
$199,900
$143price/sqft
$1,554/moest. monthly cost
$62,160/yrincome needed

About This Home

This freshly updated 4-bedroom, 1-bath home in Montgomery offers space, functionality, and recent improvements that add real value. Step inside to a large living room filled with natural light, perfect for gathering or relaxing. The spacious kitchen provides plenty of room to cook and entertain, with a separate dining room ideal for meals. Recent updates include fresh interior paint and new siding, giving the home a clean, move-in-ready feel. A major upgrade was completed in 2023 with a new 5-inch well, offering peace of mind for years to come. Outside, you'll find an oversized 2-car detached garage that goes above and beyond, workshop area that is perfect for hobbyists, craftsmen, or anyone needing extra workspace or storage. With generous living space, practical updates, and unique features, this Montgomery home is a great opportunity to own a property that offers both comfort and versatility. 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

7
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

6/10
5/10
Reading High SchoolGrades 7-125.2 mi

Construction

Condition

  • Year built: 1920

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: In Kitchen

Basement

  • Has basement: Yes
  • Basement: Michigan Basement

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Features

  • Finished area below ground: 0

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,400
  • Total interior livable area: 1,400 sqft

Property

Details

  • Parcel number: 14125001010

Features

  • Stories: 2

Lot

  • Lot size: 0.34 Acres
  • Features: Corner Lot
  • Lot size dimensions: 89 x 158

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Hail
Inland Flooding
Ice Storm
Winter Weather

FEMA Declared Disasters in Hillsdale 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 $1,010$12,120
Home Insurance *$103$1,236
Property Taxes $253$3,036
Electricity $188$2,259
Total$1,554$18,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,280/yr
40% on housing$46,620/yr
45% on housing$41,440/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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$143This listing

vs Other Active Listings

Avg $/sqft

ZIP 49255$135
Hillsdale County$164

vs Homes Sold Last Month

Median $/sqft

ZIP 49255$203
Hillsdale County$159

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
2026-04-07Price change$219,900
2026-03-04Price change$229,900
2025-12-31Listed for sale$239,900
2012-11-21Sold$22,000
2012-10-20Listed for sale$24,900
2012-05-29Sold$20,925
2011-09-22Listing removed$72,900
2011-07-31Listed for sale$72,900

For Sale by Agent

AgentAngie Marsh
BrokerageSouthern Marsh Realty

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