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1620 N Michigan Rd, Omer, MI, 48749

3beds
3baths
3,100sqft
$325,000
$105price/sqft
$2,560/moest. monthly cost
$102,400/yrincome needed

About This Home

A beautiful mix of waterfront, woods, and nature await with this cool property along the Rifle River, only a few minutes off U.S. 23. Located in the woods with State Land adjacent to the property and across the road. This spacious home offers a great opportunity for waterfront living! Virtually remodeled throughout, this unique home offers a layout conducive for multi-family living, single family, and/or something in between! Enjoy three distinct living spaces with separate entrances with all new flooring and interior paint throughout that all have awesome views of the river at various points along with a fantastic view of the river right from the 80' wide deck! The lower level offers a living room, den/family room, full bathroom, kitchen, laundry, dining area, and access to the attached garage. The upper/main level features three bedrooms with two bedrooms sharing a 1/2 bathroom, 2nd kitchen, & two extra rooms for more living/sleeping space. Need even more space??!! Nearly 1100 sqft of more living space has been created over the garage that could serve as an apartment, private living quarters, etc! This space offers a modern, sleek look with an open kitchen/dining/living space w/ a fireplace, bedroom, office, and full custom built bath w/ stunning glass shower and rainfall showerhead! Security system installed. Outside there are two driveways that allow for multiple parking spots along with steps leading down to the river for access to kayaking, tubing, fishing, etc! There are so many possibilities with this versatile riverfront property! Nature awaits!! Owner will consider Land Contract terms w/$225,000.00 down.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

7/10
--

Construction

Condition

  • Year built: 1968

Materials

  • Roof: Asphalt
  • Construction materials: Frame,Vinyl Siding

Notable Dates

  • Major remodel year: 2024

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Oven/Range,Washer,Dryer,Electric Water Heater
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access,Exterior Entry,Interior Entry

Bedroom2

  • Level: Upper
  • Area: 99

Bedroom3

  • Level: Upper
  • Area: 81

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Lower
  • Area: 198

Family Room

  • Level: Lower
  • Area: 190

Features

  • Entrance Foyer,Den/Study,Drywall
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,100

Heating & Cooling

  • Heating features: Forced Air,Propane,Fireplace(s)
  • Cooling features: Ductless

Interior Area

  • Total structure area: 3,100
  • Total interior livable area: 3,100 sqft

Kitchen

  • Level: Lower
  • Area: 150

Living Room

  • Level: Lower
  • Area: 252

Master Bathroom

  • Features: None

Master Bedroom

  • Level: Upper
  • Area: 247

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 002000940002500
  • Zoning description: Residential
  • Other equipment: Dish TV

Features

  • Levels: Bi-Level
  • Patio & porch: Deck
  • Exterior features: Balcony
  • Has view: Yes
  • View description: Water
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: River,Gradual Slope to Water
  • Waterbody name: Rifle River
  • Frontage type: Waterfront
  • Frontage length: 200

Lot

  • Lot size: 1.25 Acres
  • Features: Cleared,Wooded,Rolling Slope,Metes and Bounds
  • Lot size dimensions: 200 x 348 x 218 x 263

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete Floors,Gravel
  • Has garage: Yes
  • Attached garage spaces: 2

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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Cold Wave
Hail
Tornado
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 $1,643$19,716
Home Insurance *$309$3,708
Property Taxes $270$3,240
Electricity $338$4,057
Total$2,560$30,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,771/yr
40% on housing$76,800/yr
45% on housing$68,266/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

$105This listing

vs Other Active Listings

Avg $/sqft

ZIP 48749
Arenac County$102

vs Homes Sold Last Month

Median $/sqft

ZIP 48749
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)

No zestimate history available

Price History

DateEventPrice
2026-05-06Price change$329,500
2026-02-16Pending sale$339,500
2026-01-12Price change$339,500
2025-10-16Price change$349,500
2025-09-05Price change$358,500
2025-08-20Price change$379,500
2025-07-16Listed for sale$398,000
2022-08-13Sold$203,000
2022-07-08Listed for sale$210,000
2012-06-15Sold$73,000

For Sale by Agent

AgentDENNIS STANLEY
BrokerageARENAC REALTY CO., PETE STANLEY & ASSOCIATES

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