103 Harbor St, Oscoda, MI, 48750
About This Home
Amazing opportunity in the heart of Downtown Oscoda! This unique waterfront property offers 150 feet of frontage on the beautiful Au Sable River and is just a short walk to Lake Huron, giving you the best of both riverfront and beach-town living. Enjoy direct river access with a concrete walk and steel seawall reinforcement, all while taking in stunning views of one of Northern Michigan’s most desirable waterfront settings. Whether you're looking for a year-round residence, vacation getaway, or investment opportunity, this property checks every box. The home is thoughtfully divided into two separate living spaces, each featuring its own kitchen, bedrooms, and bathrooms—perfect for multi-generational living, hosting guests, or generating additional income. Currently operating as a successful short-term rental property, the income potential is already in place. Outside, the property continues to impress with a 2.5-car attached garage, spacious garden area, relaxing hot tub, and an additional storage shed. Opportunities like this—downtown location, river frontage, walkability to the lake, and built-in income potential—rarely come available. Don’t miss your chance to own a truly special piece of Oscoda!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1963
Materials
- Foundation: Crawl Space,Slab
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Bedroom
- Level: Second
- Area: 100
- Dimensions: 10 X 10
Bedroom
- Level: Second
- Area: 100
- Dimensions: 10 X 10
Bedroom
- Level: Second
- Area: 100
- Dimensions: 10 X 10
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Finished area above ground: 2,230
Heating
- Heating features: Forced Air,Natural Gas
Interior Area
- Total interior livable area: 2,230 sqft
Other
- Level: Entry
- Area: 35
- Dimensions: 5 X 7
Other
- Level: Second
- Area: 35
- Dimensions: 5 X 7
Other
- Level: Entry
- Area: 15
- Dimensions: 3 X 5
Primary Bedroom
- Level: Entry
- Area: 120
- Dimensions: 12 X 10
Property
Details
- Parcel number: 021L1000102800
- Special condition: Short Sale No,Standard
Features
- Levels: One And One Half
- Stories: 1
- Entry location: GroundLevel
- Pool features: None
- On waterfront: Yes
- Waterfront features: River Front,Waterfront
- Waterbody name: AuSable River
Lot
- Lot size: 0.25 Acres
- Lot size dimensions: 150 x 72
Parking
- Total spaces: 2.5
- Parking features: Twoand Half Car Garage,Attached
- Has garage: Yes
- Attached garage spaces: 2.5
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
- Winter Weather
- Cold Wave
- Inland Flooding
- Lightning
- Strong Wind
- Hail
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Iosco County and Michigan
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,174 | $26,088 |
| Home Insurance * | $227 | $2,724 |
| Property Taxes | $750 | $9,000 |
| Electricity | $243 | $2,918 |
| Total | $3,394 | $40,728 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-28 | Listed for sale | $500,000 |
| 2024-09-12 | Listing removed | $1,350 |
| 2024-07-31 | Listed for rent | $1,350 |
| 2024-07-18 | Listing removed | -- |
| 2024-06-29 | Listed for rent | $1,350 |
| 2024-06-22 | Listing removed | -- |
| 2024-06-01 | Listed for rent | $1,350 |
| 2018-10-01 | Sold | $213,000 |
| 2018-08-29 | Pending sale | $249,000 |
| 2018-07-10 | Listed for sale | $249,000 |
| 2012-03-27 | Listing removed | $2,000 |
| 2011-11-23 | Listed for rent | $2,000 |
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