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182 E Congress St, Caro, MI, 48723

2beds
1baths
850sqft
$119,900
$141price/sqft
$1,011/moest. monthly cost
$40,440/yrincome needed

About This Home

Charming 2 Bedroom Home Near the Fairgrounds & Cass River - Welcome to this inviting 2 bedroom, 1 bath home ideally located near the Tuscola County Fairgrounds and the scenic Cass River. Featuring a bright open floor plan, this home offers a comfortable flow between living spaces -- perfect for relaxing or entertaining. Enjoy the convenience of nearby shopping, parks, and community amenities, all just minutes away. Whether you're looking for a new home, or a solid investment, this property provides a great balance of location and livability. With its welcoming layout and access to outdoor recreation along the river, this home offers small-town charm with everyday convenience. Don't miss the chance to make it yours!

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

4/10
Schall Elementary SchoolGrades 3-50.5 mi
5/10
Caro Middle SchoolGrades 6-80.8 mi
7/10
Caro High SchoolGrades 9-120.9 mi

Construction

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 850
  • Total interior livable area: 850 sqft

Property

Details

  • Parcel number: 050003310100000

Parking

  • Total spaces: 1
  • Parking features: GarageDetached
  • 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 WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Winter Weather
Tornado
Hail
Ice Storm
Lightning
Tsunami

FEMA Declared Disasters in Tuscola 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 $606$7,272
Home Insurance *$109$1,308
Property Taxes $108$1,296
Electricity $188$2,259
Total$1,011$12,132
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$34,662/yr
40% on housing$30,330/yr
45% on housing$26,960/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: 14.3%
14.3%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 48723$101
Tuscola County$103

vs Homes Sold Last Month

Median $/sqft

ZIP 48723
Tuscola County$139

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
2026-03-15Listed for sale$129,900
2017-07-21Sold$56,600

For Sale by Agent

AgentJerod Davidson
BrokerageOsentoski Realty

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