3970 Oak St, Onaway, MI, 49765
About This Home
Step back in time to 1901 in one of Onaway's original homestead homes, built during the city's booming steering wheel factory era. Rich with history and character, this 5-bedroom, 2-bath home showcases thick original wood trim, vintage wallpapers, formal dining and an oversized laundry room. Outside, historic stone walls form charming courtyards and border established perennial gardens, with winding walkways leading through the landscape. Remnants of grand neighboring homes remain in old stone steps and foundation ruins. A carriage house, coop and detached 2-car garage complete this truly unique property--a rare opportunity to own a piece of Onaway history.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1901
Materials
- Foundation: Basement
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full,Michigan/Utility
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 2
- Full bathrooms: 2
Features
- Finished area above ground: 2,458
Heating
- Heating features: Forced Air
Interior Area
- Total structure area: 4,453
- Total interior livable area: 4,453 sqft
Property
Details
- Parcel number: 16012000001400, 16012000001300
Features
- Stories: 2
- Patio & porch: Patio/Porch
- Frontage type: None
Lot
- Lot size: 1.95 Acres
- Lot size dimensions: 1.94 ac
Parking
- Parking features: Garage
- 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
- Lightning
- Cold Wave
- Hail
- Inland Flooding
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Presque Isle 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 | $1,112 | $13,344 |
| Home Insurance * | $161 | $1,932 |
| Property Taxes | $307 | $3,684 |
| Electricity | $485 | $5,828 |
| Total | $2,065 | $24,780 |
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 |
|---|---|---|
| 2026-07-31 | Listed for sale | $220,000 |
View on Zillow