




20366 Elsden St, Onaway, MI, 49765
About This Home
A Turn-Key Treasure in Onaway! Nestled on a quiet, walkable side street in the heart of Onaway, this charming 1-bedroom, 1-bath bungalow was built in 2023 and thoughtfully improved since. Situated on a spacious corner lot just blocks from downtown shops, restaurants, parks, and everyday conveniences, it offers the perfect blend of low-maintenance living and small-town charm, with everything you need close at hand. The home features approximately 640 square feet of efficient living space, a detached one-car garage, durable vinyl siding, a metal roof, tankless water heater, and luxury vinyl plank flooring, designed for years of worry-free ownership. Since purchasing the home in 2024, the current owner has invested over $6,000 in brand-new appliances, all of which are included in the sale. In 2025, a new asphalt driveway and walkway were added, providing convenient access from the garage to the home and road. Located less than 10 minutes from Black Lake, Onaway State Park, and endless opportunities for boating, fishing, and outdoor recreation, this property would make an excellent year-round residence, retirement home, weekend getaway, or investment property. The seller is relocating, offering a wonderful opportunity to own a nearly new home with many of the big-ticket improvements already completed. This recent build is a rare find, featuring new appliances, a recently installed asphalt driveway, modern finishes, and a desirable in-town location, all with a competitive market price. With limited housing inventory in the area, opportunities like this don’t come along often. Contact me by call or text to schedule a showing, with same-day showings available.
Getting Around
Schools
Construction
Condition
- Year built: 2023
Materials
- Roof: Metal
Type & Style
- Home type: SingleFamily
Interior
Appliances
- Appliances included: Dryer,Freezer,Microwave,Range / Oven,Refrigerator,Washer
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- Flooring: Linoleum / Vinyl
- Fireplace: Yes
Heating & Cooling
- Heating features: Baseboard,Stove,Electric,Gas
- Cooling features: None
Interior Area
- Total interior livable area: 640 sqft
Property
Details
- Parcel number: 16004000002600
Features
- Exterior features: Vinyl
- Has view: Yes
- View description: None
- Topography of land: Flat
Lot
- Lot size: 7,919 sqft
Parking
- Total spaces: 5
- Parking features: Garage - Detached
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 | $757 | $9,084 |
| Home Insurance * | $109 | $1,308 |
| Property Taxes | $106 | $1,272 |
| Electricity | $188 | $2,259 |
| Total | $1,160 | $13,920 |
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 |
|---|---|---|
| 2026-08-10 | Price change | $144,900 |
| 2026-06-22 | Listed for sale | $149,900 |
| 2024-05-09 | Sold | $112,900 |
| 2024-05-04 | Pending sale | $112,900 |
| 2024-02-12 | Price change | $112,900 |
| 2024-01-13 | Price change | $114,900 |
| 2024-01-02 | Listed for sale | $119,000 |
| 2023-06-27 | Listing removed | -- |
| 2023-05-23 | Listed for sale | $63,720 |
| 2018-10-04 | Sold | $1,500 |
| 2018-05-23 | Listed for sale | $2,200 |
