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112 Ward St, Harbor Beach, MI, 48441

2beds
1baths
1,110sqft
$179,900
$162price/sqft
$1,568/moest. monthly cost
$62,720/yrincome needed

About This Home

FULLY RENOVATED and MOVE IN READY! Located in the quaint little town of Harbor Beach, this newly renovated 2 bedroom, 1 bath home is within walking distance to the beach and everything downtown has to offer. Renovated by a well-known local builder, this home has everything you need, conveniently located on one floor for easy living. There is also a heated entry room that gives you extra living space year-round and would make a great sitting area or place to relax with your morning coffee. Other new features include: granite countertops, brand new bathroom, new drywall, many updated windows, new storm doors, freshly painted updated plumbing. The clean, functional Michigan basement provides extra storage space and a workbench. Outside you'll find a fenced-in backyard and if you take a short walk down the street, you'll be at the beautiful shores of Lake Huron watching the sunrise over the water. If you've been looking for a move-in ready home close to the lake in a great little beach town, this is one you'll want to see.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

5/10
6/10

Construction

Condition

  • Year built: 1920

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Heating & Cooling

  • Heating features: Radiant
  • Cooling features: None

Interior Area

  • Total structure area: 1,110
  • Total interior livable area: 1,110 sqft

Property

Details

  • Parcel number: 5223100200

Parking

  • Total spaces: 1
  • Parking features: GarageAttached
  • Has garage: Yes

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 WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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

FEMA Declared Disasters in Huron 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 $909$10,908
Home Insurance *$135$1,620
Property Taxes $336$4,032
Electricity $188$2,259
Total$1,568$18,816
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,760/yr
40% on housing$47,040/yr
45% on housing$41,813/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: 3.8%
3.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$162This listing

vs Other Active Listings

Avg $/sqft

ZIP 48441$129
Huron County$131

vs Homes Sold Last Month

Median $/sqft

ZIP 48441
Huron County$103

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
2026-07-24Price change$179,900
2026-05-17Listed for sale$189,900

For Sale by Agent

AgentMichele Kabban
BrokerageHuron Realty

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