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10611 W Saint Charles Rd, Sumner, MI, 48889

3beds
1baths
1,640sqft
$110,000
$67price/sqft
$914/moest. monthly cost
$36,560/yrincome needed

About This Home

Check out this 3 bed 1 bath home with a fenced in yard. With your vision and a renovation loan this could be your dream home! This home qualifies for a renovation financing. With the renovation loan buyers can renovate/repair this property to their liking. Buyer and buyer agent to verify all information. bank owned limited info.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

6/10
North Elementary SchoolGrades 3-610.7 mi
8/10
Ithaca High SchoolGrades 7-1211.2 mi
--
South Elementary SchoolGrades PK-210.9 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Michigan Basement
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes

Bedroom

  • Level: Second
  • Area: 180
  • Dimensions: 15 X 12

Bedroom

  • Level: Second
  • Area: 180
  • Dimensions: 15 X 12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Entry
  • Area: 180
  • Dimensions: 15 X 12

Features

  • Finished area above ground: 1,640

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total interior livable area: 1,640 sqft

Kitchen

  • Level: Entry
  • Area: 180
  • Dimensions: 15 X 12

Living Room

  • Level: Entry
  • Area: 330
  • Dimensions: 15 X 22

Other

  • Level: Entry

Primary Bedroom

  • Level: Entry
  • Area: 154
  • Dimensions: 14 X 11

Property

Details

  • Parcel number: 1460005010
  • Special condition: Real Estate Owned,Short Sale No

Features

  • Levels: Two
  • Stories: 2
  • Entry location: GroundLevelwSteps
  • Pool features: Above Ground

Lot

  • Lot size: 0.30 Acres
  • Lot size dimensions: 100 x 130

Parking

  • Parking features: No Garage

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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Strong Wind
Tornado
Hail
Inland Flooding

FEMA Declared Disasters in Gratiot 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 $556$6,672
Home Insurance *$70$840
Property Taxes $100$1,200
Electricity $188$2,259
Total$914$10,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,337/yr
40% on housing$27,420/yr
45% on housing$24,373/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$67This listing

vs Other Active Listings

Avg $/sqft

ZIP 48889
Gratiot County$110

vs Homes Sold Last Month

Median $/sqft

ZIP 48889$141
Gratiot County$109

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
2023-12-13Sold$97,500
2022-08-31Sold$124,500
2022-07-27Pending sale$119,900
2022-04-27Price change$119,900
2022-03-15Price change$129,900
2021-12-16Listed for sale$134,900

Unknown Listed By

AgentMatthew Brown
BrokerageRed Oak Associates

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