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184 S Main St, Elkton, MI, 48731

4beds
2baths
2,358sqft
$249,900
$106price/sqft
$1,941/moest. monthly cost
$77,640/yrincome needed

About This Home

Step back in time without sacrificing a single modern luxury in this breathtaking 1909 Historical Victorian masterpiece. Nestled on a sprawling .54-acre lot and located just a short 15-minute drive from the beautiful shores of Lake Huron, this home perfectly marries turn-of-the-century character with a top-to-bottom renovation. With 2,358 square feet of meticulously finished living space, every corner of this residence tells a story of elegance and craftsmanship. The heart of the home is the expansive master suite, a true private sanctuary designed for ultimate relaxation. It features a massive walk-in closet and a spa-like master bath centered around a deep jetted tub, perfect for unwinding after a long day. Three additional spacious bedrooms ensure plenty of room for family, guests, or a dedicated home office, all while maintaining the classic architectural integrity of the era. Car enthusiasts and hobbyists will find their paradise in the massive 5-car detached garage. This isn't just a parking structure; it is a fully equipped workspace featuring professional-grade heating, full electrical service, and a dedicated workshop area. Whether you are storing lake toys or working on a year-round project, this space offers unmatched utility. To provide complete peace of mind, this historic gem comes with a one-year America's Preferred Home Warranty included at closing. From the wrap-around charm of the Victorian exterior to the high-end updates within, this property offers a rare opportunity to own a piece of history within reach of the Great Lakes

Getting Around

23
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

6/10
Laker ElementaryGrades K-52.6 mi
5/10
Laker Middle SchoolGrades 6-82.3 mi
7/10
Laker High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 1909

Materials

  • Foundation: Basement
  • Construction materials: Aluminum Siding,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic,Victorian
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range/Oven,Refrigerator,Washer,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Block,MI Basement,Unfinished

Bathroom1

  • Level: First
  • Area: 256

Bathroom2

  • Level: Second
  • Area: 66

Bedroom1

  • Level: First
  • Area: 432

Bedroom2

  • Level: Second
  • Area: 132

Bedroom3

  • Level: Second
  • Area: 144

Bedroom4

  • Level: Second
  • Area: 121

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 168

Features

  • Walk-In Closet(s)
  • Window features: Bay Window(s),Window Treatments
  • Flooring: Ceramic Tile,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Gas,Master Bedroom
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,358

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 3,254
  • Total interior livable area: 2,358 sqft

Kitchen

  • Level: First
  • Area: 91

Living Room

  • Level: First
  • Area: 702

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 3101600500
  • Zoning description: Residential
  • Special condition: Private

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Porch
  • Has spa: Yes
  • Spa features: Spa/Jetted Tub
  • Fencing: Fenced
  • Waterfront features: None
  • Frontage type: Road
  • Frontage length: 115

Lot

  • Lot size: 0.54 Acres
  • Features: Main Street,Rural,Sidewalks
  • Lot size dimensions: 115 x 207

Parking

  • Total spaces: 5
  • Parking features: Garage,Detached,Electric in Garage,Heated Garage,Garage Faces Side,Workshop in Garage
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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

FEMA Declared Disasters in Huron 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 $1,263$15,156
Home Insurance *$199$2,388
Property Taxes $222$2,664
Electricity $257$3,086
Total$1,941$23,292
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,548/yr
40% on housing$58,230/yr
45% on housing$51,760/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: 3.8%
3.8%
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

$106This listing

vs Other Active Listings

Avg $/sqft

ZIP 48731
Huron County$131

vs Homes Sold Last Month

Median $/sqft

ZIP 48731
Huron County$103

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
2026-04-21Price change$274,900
2021-12-17Pending sale$199,000
2021-07-23Price change$199,000
2021-06-06Listed for sale$225,000

For Sale by Agent

AgentSherry Bliss
BrokerageRE/MAX New Image

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