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520 N Railroad St, Turner, MI, 48765

4beds
1baths
1,412sqft
$329,000
$233price/sqft
$2,774/moest. monthly cost
$110,960/yrincome needed

About This Home

This four bedroom, one bath split level ranch sits on two parcels making up approximately 38 acres, with approximately 20 acres of farm land and 17 acres of wetlands and woods. The property offers great deer hunting and opportunities to lease the farmland or start your own hobby farm! The property is being sold to settle an estate and therefore does not provide seller or LBP disclosures.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
6/10
5/10
Au Gres-Sims High SchoolGrades 9-128.2 mi

Construction

Condition

  • Year built: 1971

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,412
  • Total interior livable area: 1,412 sqft

Property

Details

  • Parcel number: 011100000054001

Parking

  • Total spaces: 2
  • Parking features: GarageAttached
  • 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
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Lightning
Winter Weather
Hail
Inland Flooding
Strong Wind
Tsunami

FEMA Declared Disasters in Arenac 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 $1,663$19,956
Home Insurance *$339$4,068
Property Taxes $584$7,008
Electricity $188$2,259
Total$2,774$33,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,108/yr
40% on housing$83,220/yr
45% on housing$73,973/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$233This listing

vs Other Active Listings

Avg $/sqft

ZIP 48765
Arenac County$99

vs Homes Sold Last Month

Median $/sqft

ZIP 48765
Arenac County$71

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
2026-06-10Listed for sale$329,000

For Sale by Agent

AgentKeith Ososki
BrokerageAmerican Real Estate & Leasing Group LLC

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