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1099 E Wilcox Ave, White Cloud, MI, 49349

1beds
1baths
1,481sqft
$161,900
$109price/sqft
$1,222/moest. monthly cost
$48,880/yrincome needed

About This Home

This fully remodeled, move-in-ready property offers a unique blend of commercial and residential functionality. The front-facing business space provides excellent visibility in a high-traffic area, making it ideal for entrepreneurs seeking a live/work setup. The residential section features a one-bedroom, one-bathroom layout with 10-foot ceilings, restored original brick walls, and gleaming hardwood floors that exude character. The kitchen is outfitted with newer appliances, modern instantaneous hot water heater. Additional upgrades include a newer roof, newer HVAC system, electrical wiring, and plumbing, ensuring long-term comfort and efficiency. A dedicated laundry area adds convenience, with electrolux combo, while the preserved historic office safe utiliized as a door.

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
52
BikeBikeable

Schools

7/10
3/10
3/10
White Cloud High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1902

Materials

  • Roof: Metal
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Refrigerator
  • Laundry features: Electric Dryer Hookup,Main Level,Other

Basement

  • Basement: Slab

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Dining Area

  • Level: Main

Features

  • Flooring: Wood

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,481
  • Total interior livable area: 1,481 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 1505135025
  • Zoning description: Mixed

Features

  • Stories: 1

Lot

  • Lot size: 2,178 sqft
  • Lot size dimensions: 25 x 90

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

  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Inland Flooding
Lightning
Tornado

FEMA Declared Disasters in Newaygo 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 $818$9,816
Home Insurance *$84$1,008
Property Taxes $132$1,584
Electricity $188$2,259
Total$1,222$14,664
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,897/yr
40% on housing$36,660/yr
45% on housing$32,586/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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.9%
-2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$109This listing

vs Other Active Listings

Avg $/sqft

ZIP 49349$146
Newaygo County$143

vs Homes Sold Last Month

Median $/sqft

ZIP 49349
Newaygo County$156

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
2026-03-06Price change$161,900
2026-01-30Price change$171,900
2026-01-08Price change$174,900
2025-08-12Listed for sale$179,900
2024-01-31Sold$160,000
2024-01-20Pending sale$160,000
2023-12-12Listed for sale$160,000
2022-05-15Listing removed--
2022-04-13Listed for sale$159,000

For Sale by Agent

AgentLisa Lightfoot
BrokerageColdwell Banker Schmidt Fremont

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