8705 E James St, White Cloud, MI, 49349
About This Home
2 bed 2 bath cottage close to Newaygo State Park and the Muskegon River/Hardy Dam Pond. Tons of upside on this fixer upper. Seller looking for cash offers but would consider a conventional offer. Property is winterized and no utilities are currently on. The house features a relatively open layout and a detached oversized 1 stall garage. It sits on a slab and has wall heaters along with hard lined gas fireplaces. Amazing opportunity to join a local dock association that is just steps away to keep your boat on the Muskegon River/Hardy Dam frontage.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1940
Materials
- Roof: Composition
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Oven
- Laundry features: Main Level
Basement
- Basement: Slab
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 2
Features
- Eat-in Kitchen
- Number of fireplaces: 2
- Fireplace features: Family Room,Gas Log,Living Room
- Fireplace: Yes
Heating
- Heating features: Wall Furnace,Other
Interior Area
- Total structure area: 1,220
- Total interior livable area: 1,220 sqft
Property
Details
- Parcel number: 1614237009
Features
- Stories: 1
Lot
- Lot size: 5,662 sqft
- Lot size dimensions: 62 x 89
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
- Winter Weather
- Strong Wind
- Cold Wave
- Inland Flooding
- Lightning
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Newaygo 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 | $580 | $6,960 |
| Home Insurance * | $60 | $720 |
| Property Taxes | $167 | $2,004 |
| Electricity | $188 | $2,259 |
| Total | $995 | $11,940 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-10 | Price change | $114,900 |
| 2026-04-01 | Listed for sale | $119,900 |
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