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3866 Starr Rd, Harrison, MI, 48625

3beds
1baths
982sqft
$139,000
$142price/sqft
$1,140/moest. monthly cost
$45,600/yrincome needed

About This Home

Remember those trips up north to the family cabin, making memories that stayed with you for years? That is exactly the feeling you get when you step into this charming 3-bedroom cabin featuring beautiful knotty pine throughout. A mini split provides comfort in every season. Enjoy peek-a-boo views of Sutherland Lake across the road, with lake access just down the road and several other lakes only minutes away. Start making your summer memories now.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

5/10
Harrison Middle SchoolGrades 6-82.1 mi
5/10

Construction

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Range/Oven,Refrigerator

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: Main
  • Area: 56

Bedroom1

  • Level: Main
  • Area: 180

Bedroom2

  • Level: Main
  • Area: 72

Bedroom3

  • Level: Main
  • Area: 80

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 99

Features

  • Finished area below ground: 0
  • Finished area above ground: 982

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Other

Interior Area

  • Total structure area: 982
  • Total interior livable area: 982 sqft

Kitchen

  • Level: Main
  • Area: 81

Living Room

  • Level: Main
  • Area: 323

Property

Details

  • Parcel number: 00748504350
  • Zoning description: Residential
  • Special condition: Private

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Porch
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • Waterfront features: All Sports Lake,Lake/River Access
  • Frontage type: Road
  • Frontage length: 200

Lot

  • Lot size: 0.92 Acres
  • Features: Deep Lot - 150+ Ft.,Large Lot - 65+ Ft.,Wooded,Unpaved,Dead End,Rural
  • Lot size dimensions: 200 x 206

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

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Lightning

FEMA Declared Disasters in Clare 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 $702$8,424
Home Insurance *$136$1,632
Property Taxes $114$1,368
Electricity $188$2,259
Total$1,140$13,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,085/yr
40% on housing$34,200/yr
45% on housing$30,400/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: 5.3%
5.3%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$142This listing

vs Other Active Listings

Avg $/sqft

ZIP 48625$102
Clare County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 48625
Clare County$113

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
2026-04-09Listed for sale$139,000
2003-07-01Sold$58,000

For Sale by Agent

AgentRUTH DEFOY
BrokerageHARRISON REALTY INC.

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