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9521 E 13th St, Cadillac, MI, 49601

3beds
1baths
1,500sqft
$465,000
$310price/sqft
$3,240/moest. monthly cost
$129,600/yrincome needed

About This Home

Opportunity is knocking—don't let it pass you by! This exceptional 20-acre property is ideally located directly across the road from Baker College, offering endless possibilities for investors, developers, or those looking for a spacious place to call home. With the proper county approvals, this property could be an excellent candidate for a residential subdivision, apartments, student housing, a convenience store or gas station, or another commercial venture. Prefer country living? The acreage is equally well-suited for farming, a hobby farm, or creating a private homestead with room for additional dwellings for family members, subject to local zoning and ordinances. The property has been cherished by the same family for generations and is now ready for its next chapter. The home features 3 bedrooms and 1 full bath and is heated with a pellet stove, providing a cozy atmosphere during the colder Michigan months. While the home could benefit from some updates, the true value lies in the incredible location, expansive acreage, and outstanding potential. Whether you're dreaming of development, agriculture, or building a family legacy, this rare 20-acre opportunity is ready to bring your vision to life.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

7/10
7/10
6/10

Construction

Condition

  • Year built: 2025

Materials

  • Construction materials: Other,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Other,Range/Oven,Refrigerator
  • Laundry features: First Floor Laundry,Laundry Room

Basement

  • Has basement: Yes
  • Basement: MI Basement,Michigan Basement,Partial

Bathroom1

  • Level: Main

Bedroom1

  • Level: Main
  • Area: 120

Bedroom2

  • Level: Main
  • Area: 100

Bedroom3

  • Level: Main
  • Area: 120

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Features

  • Window features: Window Treatments
  • Finished area below ground: 0
  • Finished area above ground: 1,500

Heating & Cooling

  • Heating features: Other,Pellet Stove,Oil
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 1,500
  • Total interior livable area: 1,500 sqft

Property

Details

  • Parcel number: 2209274301
  • Zoning description: Residential
  • Special condition: Private

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Porch
  • Frontage type: Road
  • Frontage length: 514

Lot

  • Lot size: 20 Acres
  • Features: Deep Lot - 150+ Ft.,Large Lot - 65+ Ft.
  • Lot size dimensions: 514 x 65 x 14 x 1251 x 658 x 1316

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

  • Cold Wave
    Cold WaveVery High
  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Inland Flooding
Lightning
Hail
Tornado

FEMA Declared Disasters in Wexford 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 $2,351$28,212
Home Insurance *$231$2,772
Property Taxes $470$5,640
Electricity $188$2,259
Total$3,240$38,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,085/yr
40% on housing$97,200/yr
45% on housing$86,400/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: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$310This listing

vs Other Active Listings

Avg $/sqft

ZIP 49601$147
Wexford County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 49601$164
Wexford County$168

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

DateEventPrice
2026-07-11Listed for sale$465,000

For Sale by Agent

AgentROBIN WITKOWSKI
BrokerageCentury 21 Signature - Clare

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