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423 W Upton Ave, Reed City, MI, 49677

4beds
2baths
1,890sqft
$165,500
$88price/sqft
$1,270/moest. monthly cost
$50,800/yrincome needed

About This Home

This Victorian fixer-upper is full of character you simply can't recreate today. Featuring stunning original woodwork and a timeless marble fireplace, the craftsmanship alone makes this home worth restoring. The third-floor attic offers endless potential transform it into a dreamy primary suite, an elegant ballroom, or additional living space. Whether you envision a charming bed & breakfast or a one-of-a-kind family home, this is your chance to bring something truly special back to life. Opportunities like this don't come around often. All offers will be reviewed.

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
60
BikeBikeable

Schools

7/10
6/10
Reed City Middle SchoolGrades 5-80.7 mi
5/10
Reed City High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Range
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Michigan Basement

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 1

Features

  • Center Island
  • Number of fireplaces: 1
  • Fireplace features: Den
  • Fireplace: Yes
  • Finished area below ground: 0

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,890
  • Total interior livable area: 1,890 sqft

Property

Details

  • Parcel number: 5213400400
  • Zoning description: Res

Features

  • Stories: 2

Lot

  • Lot size: 0.25 Acres
  • Lot size dimensions: 66 x 165

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 WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Lightning
Hail
Inland Flooding
Tornado

FEMA Declared Disasters in Osceola 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 $836$10,032
Home Insurance *$103$1,236
Property Taxes $125$1,500
Electricity $206$2,473
Total$1,270$15,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,542/yr
40% on housing$38,100/yr
45% on housing$33,866/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: 4.0%
4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$88This listing

vs Other Active Listings

Avg $/sqft

ZIP 49677$120
Osceola County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 49677
Osceola County$152

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
2026-04-27Listed for sale$200,000
2025-05-13Listing removed$119,900
2025-03-02Listed for sale$119,900
2025-02-26Listing removed$119,900
2025-02-06Listed for sale$119,900

For Sale by Agent

AgentPaige Sochor
BrokerageEpique Realty

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