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10870 Thoman Trl, Roscommon, MI, 48653

1beds
1baths
480sqft
$129,000
$269price/sqft
$1,002/moest. monthly cost
$40,080/yrincome needed

About This Home

Escape to your own private retreat! This 450 square foot cabin sits on nearly 5 wooded acres, offering peace, privacy, and endless outdoor recreation. The property features a newer metal roof, well, septic, and a 30'x40' pole barn; perfect for storing all your toys, equipment, or a workshop. Surrounded by nature and located just minutes from state land, this is an ideal getaway for hunting, hiking, ATV riding, or simply relaxing in a quiet setting.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

6/10
Roscommon Elementary SchoolGrades PK-411.5 mi
8/10
Roscommon Middle SchoolGrades 5-711.7 mi
6/10
Roscommon High SchoolGrades 7-1212.0 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Crawl

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator
  • Laundry features: None

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 450

Heating

  • Heating features: Propane,Wall Furnace

Interior Area

  • Total structure area: 480
  • Total interior livable area: 480 sqft

Property

Details

  • Parcel number: 06102501108000

Features

  • Frontage type: None

Lot

  • Lot size: 5 Acres
  • Lot size dimensions: 4.91

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Lightning
Hail
Strong Wind
Wildfire

FEMA Declared Disasters in Crawford 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 $652$7,824
Home Insurance *$55$660
Property Taxes $107$1,284
Electricity $188$2,259
Total$1,002$12,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$34,354/yr
40% on housing$30,060/yr
45% on housing$26,720/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$269This listing

vs Other Active Listings

Avg $/sqft

ZIP 48653$161
Crawford County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 48653
Crawford County$118

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
2026-07-31Listed for sale$129,000

For Sale by Agent

AgentGinny Johnson
BrokerageCentury 21 Realty North Higgins Lake

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