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106 Hemlock St, Trout Creek, MI, 49967

4beds
2baths
1,250sqft
$149,000
$119price/sqft
$1,156/moest. monthly cost
$46,240/yrincome needed

About This Home

Welcome to this charming 4-bedroom, 1.5 bath home in the cozy town of Trout Creek. Thoughtfully remodeled in 2024-2025, this move-in-ready home features a new roof, windows, flooring, fresh paint, and a new boiler system. Inside, you'll find bright, comfortable living spaces highlighted by beautiful vaulted ceilings that create an open and airy feel. Enjoy the peace and simplicity of small-town living while having plenty of room for family, and guests. With all the major updates already completed, this is a home you can settle into and enjoy for years to come.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1960

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: None,Gas Water Heater

Basement

  • Basement: Block,Crawl Space

Bathroom1

  • Features: Vinyl
  • Level: First
  • Area: 35

Bedroom1

  • Features: Vinyl
  • Level: First
  • Area: 96

Bedroom2

  • Features: Vinyl
  • Level: First
  • Area: 112

Bedroom3

  • Features: Vinyl
  • Level: First
  • Area: 121

Bedroom4

  • Features: Vinyl
  • Level: First
  • Area: 88

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Features: Vinyl
  • Level: First
  • Area: 132

Features

  • High Ceilings
  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,250

Heating & Cooling

  • Heating features: Boiler,Radiant,Propane
  • Cooling features: None

Interior Area

  • Total structure area: 1,250
  • Total interior livable area: 1,250 sqft

Kitchen

  • Features: Vinyl
  • Level: First
  • Area: 105

Living Room

  • Features: Vinyl
  • Level: First
  • Area: 209

Property

Details

  • Parcel number: 0660201275 & 0660200550
  • Zoning description: Residential
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Waterfront features: None
  • Frontage type: Road
  • Frontage length: 100

Lot

  • Lot size: 1.54 Acres
  • Features: Irregular Lot
  • Lot size dimensions: IRREGULAR

Parking

  • Total spaces: 2
  • Parking features: 2 Spaces

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
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Lightning
Winter Weather
Hail
Strong Wind
Tsunami

FEMA Declared Disasters in Ontonagon 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 $753$9,036
Home Insurance *$75$900
Property Taxes $140$1,680
Electricity $188$2,259
Total$1,156$13,872
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,634/yr
40% on housing$34,680/yr
45% on housing$30,826/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$119This listing

vs Other Active Listings

Avg $/sqft

ZIP 49967
Ontonagon County$98

vs Homes Sold Last Month

Median $/sqft

ZIP 49967$181
Ontonagon County$305

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
2026-06-10Listed for sale$149,000
2020-03-05Listing removed--
2020-02-27Listed for sale--

For Sale by Agent

AgentCOLE BORSETH
BrokerageBORSETH PROPERTIES

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