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1014 Minnesota St, Hancock, MI, 49930

4beds
3baths
2,082sqft
$295,000
$142price/sqft
$2,108/moest. monthly cost
$84,320/yrincome needed

About This Home

This attractive home features a large eat-in kitchen with a spacious island, ideal for everyday use or entertaining. The kitchen has a cheery south-facing window that brings in strong natural light. Main-level laundry hookups are available in the room next to the kitchen (currently used as a kids’ playroom), which also includes a gas hookup and could serve as a walk-in pantry. Charming mid-century style with a 2015 addition, which includes the updated kitchen and a mother-in-law suite in the basement. The walk-out basement provides access from the alley through a separate entrance. The mother-in-law suite was previously used for rental income (with a prior owner) and can be doored off from the rest of the basement. It includes a full bath and kitchenette, currently used as a bar area. --- There are five different rooms that can function as bedrooms or offices, along with a workspace in the second-level hallway, offering a high level of flexibility. There are also two non-conforming bedrooms not included in the bedroom count. The basement bedroom in the mother-in-law suite lacks an egress window, and one second-level bedroom has limited ceiling height. --- The home is well maintained and features central AC, hardwood floors, and many Andersen windows replaced in 2025. The fenced yard offers space for pets and kids and includes an outdoor shower/dog washing station. Additional storage is available under the back deck, in the garage, and in a large portion of the basement. --- A main-level primary bedroom with a walk in closet adds convenience, with a smaller adjacent bedroom that works well as a nursery or home office. --- The street was freshly repaved and widened in 2025, with a new sidewalk installed. --- Approximately 2,154 square feet of finished space, with closer to 2,700 square feet of usable space under roof. --- Only three families have owned this special home since it was built!

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

5/10
7/10

Construction

Condition

  • Year built: 1953

Materials

  • Foundation: Basement,Concrete Perimeter
  • Construction materials: Wood Siding,Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Bar Fridge,Dishwasher,Dryer,Microwave,Range/Oven,Refrigerator,Washer,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Block,Full,Partially Finished,Walk-Out Access,Concrete

Bathroom1

  • Features: Vinyl
  • Level: First
  • Area: 32

Bathroom2

  • Features: Vinyl
  • Level: Basement
  • Area: 20

Bedroom1

  • Features: Wood
  • Level: First
  • Area: 70

Bedroom2

  • Features: Wood
  • Level: First
  • Area: 99

Bedroom3

  • Features: Wood
  • Level: Second
  • Area: 180

Bedroom4

  • Level: Second
  • Area: 88

Bedrooms & Bathrooms

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

Dining Room

  • Features: Wood
  • Level: First
  • Area: 81

Features

  • Eat-in Kitchen
  • Window features: Window Treatments
  • Flooring: Hardwood,Vinyl,Wood,Carpet
  • Finished area below ground: 508
  • Finished area above ground: 1,574

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Space Heater
  • Cooling features: Central Air,None

Interior Area

  • Total structure area: 2,631
  • Total interior livable area: 2,082 sqft

Kitchen

  • Features: Wood
  • Level: First
  • Area: 143

Living Room

  • Features: Carpet
  • Level: First
  • Area: 144

Master Bedroom

  • Level: First

Office

  • Level: Second
  • Area: 144

Property

Accessibility

  • Accessibility features: Main Floor Laundry

Details

  • Parcel number: 05161200600
  • Zoning: Residential
  • Zoning description: Residential
  • Special condition: Private,Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck
  • Fencing: Fenced
  • Waterfront features: None
  • Frontage type: Road
  • Frontage length: 66

Lot

  • Lot size: 7,405 sqft
  • Features: Large Lot - 65+ Ft.,Sloped,City Lot
  • Lot size dimensions: 66 x 112

Parking

  • Total spaces: 1
  • Parking features: Unassigned,Driveway,Attached,Electric in Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Lightning
Tsunami

FEMA Declared Disasters in Houghton 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 $1,491$17,892
Home Insurance *$113$1,356
Property Taxes $277$3,324
Electricity $227$2,725
Total$2,108$25,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,274/yr
40% on housing$63,240/yr
45% on housing$56,213/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: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$142This listing

vs Other Active Listings

Avg $/sqft

ZIP 49930$140
Houghton County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 49930$174
Houghton County$106

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
2026-04-29Price change$319,000
2026-03-26Listed for sale$329,000

For Sale by Agent

AgentADAM TAIVALKOSKI
BrokerageSAVU REALTY

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