520 W Central Ave, Mackinaw City, MI, 49701
About This Home
Location, location, location! This 2-bedroom, 1-bath home sits on six city lots and is ready for your updates and vision. A large detached garage/workshop plus an additional storage shed provide plenty of room for vehicles, tools, boats, and outdoor toys. Just two blocks from Lake Michigan public access, three blocks from the Rails-to-Trails, and five blocks from downtown Mackinaw City. Across the street you'll find Mackinaw City Public Schools and the community park featuring tennis, pickleball, baseball, softball, basketball, a playground, plus an indoor walking track and weight room. A great opportunity to create your Up North dream home!
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1958
Materials
- Foundation: Crawl
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Wall Oven,Refrigerator,Microwave,Cooktop
- Laundry features: Main Level
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- Finished area above ground: 1,586
Heating
- Heating features: Electric
Interior Area
- Total structure area: 1,586
- Total interior livable area: 1,586 sqft
Property
Details
- Parcel number: 420312476175,174, 420312476133
- Zoning: VOMC R3
Features
- Frontage type: None
Lot
- Lot size: 8,276 sqft
- Lot size dimensions: 150 x 300
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
- Cold Wave
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Emmet 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 | $1,259 | $15,108 |
| Home Insurance * | $86 | $1,032 |
| Property Taxes | $170 | $2,040 |
| Electricity | $188 | $2,259 |
| Total | $1,703 | $20,436 |
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 |
|---|---|---|
| 2026-06-27 | Listed for sale | $249,000 |
| 2026-01-27 | Listing removed | $227,000 |
| 2025-09-17 | Price change | $227,000 |
| 2025-08-27 | Price change | $229,000 |
| 2025-08-13 | Price change | $233,500 |
| 2025-08-05 | Price change | $235,000 |
| 2025-07-10 | Listed for sale | $250,000 |
| 2024-02-01 | Listing removed | $275,000 |
| 2023-09-19 | Listed for sale | $275,000 |
| 2022-12-31 | Listing removed | -- |
| 2022-07-27 | Price change | $275,000 |
| 2022-06-10 | Listed for sale | $299,900 |
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