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2520 Krys Rd, Gaylord, MI, 49735

5beds
4baths
5,727sqft
$610,000
$107price/sqft
$4,299/moest. monthly cost
$171,960/yrincome needed

About This Home

Spacious 5 bedroom 3 ½ bath two story on situated on 0.83 acres on Crestwood’s Krys Road outer edge. Modern kitchen updates with all stainless appliances including a double oven, gas stovetop, and compactor. Large living room with gas fireplace, formal dining room and an abundance of natural light. Mother-in-law suite, with optional separate entrances, including separate living room with gas fireplace, kitchen, full bathroom, and bedroom. Entertain on the large backyard deck, enjoy a morning cup of coffee on the large front covered porch, or smores around the backyard firepit. Two and a half car garage, 616 sqft. New roof with large substantially finished basement.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
6/10
Gaylord Middle SchoolGrades 7-82.0 mi
7/10

Construction

Condition

  • Year built: 1992

Materials

  • Roof: Shake / Shingle

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Trash compactor,Washer

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Flooring: Tile,Carpet,Hardwood
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Gas
  • Cooling features: None

Interior Area

  • Total interior livable area: 5,727 sqft

Property

Details

  • Parcel number: 01124000015700

Features

  • Exterior features: Vinyl

Lot

  • Lot size: 0.83 Acres

Parking

  • Total spaces: 4
  • Parking features: Garage - Attached,Off-street

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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hail
Strong Wind
Inland Flooding
Tornado

FEMA Declared Disasters in Otsego 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 $3,084$37,008
Home Insurance *$308$3,696
Property Taxes $283$3,396
Electricity $624$7,496
Total$4,299$51,588
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$147,394/yr
40% on housing$128,970/yr
45% on housing$114,640/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$107This listing

vs Other Active Listings

Avg $/sqft

ZIP 49735$230
Otsego County$205

vs Homes Sold Last Month

Median $/sqft

ZIP 49735
Otsego County$131

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
2026-07-25Listed for sale$610,000
2007-06-08Sold$345,000

For Sale by Owner

AgentProperty Owner

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