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About This Home

Discover the perfect blend of rural tranquility and modern readiness on this beautiful 3.5-acre parcel. Located just outside Alma, MI, with prime frontage on M-46, this property is uniquely prepared for its next chapter--whether you're dreaming of a custom family estate or a high-visibility business location. Save months of time and tens of thousands in development costs. This isn't just raw land; it is a ''turn-key'' build site: A finished concrete house slab is already in place and wired for electricity. Features a private well for the residence and a dedicated second well specifically to maintain the scenic on-site pond. A spacious, fully powered 40x40 3-car garage offers immediate storage or a functional workshop. Full septic system is already on-site and ready for hookup. Situated on the high-visibility M-46 corridor, this property offers the best of both worlds.

Getting Around

Car-Dependent

Very Limited Transit

Somewhat Bikeable

Schools

Luce Road Elementary SchoolGrades PK-17.6 mi

6/10

Donald L. Pavlik Middle SchoolGrades 6-89.1 mi

4/10

Alma Senior High SchoolGrades 9-129.1 mi

Construction

Condition

Year built: 1980

Materials

Construction materials: Other

Type & Style

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

Interior

Appliances

Laundry features: See Remarks

Basement

Basement: Slab

Heating

Heating features: None

Interior Area

Total structure area: 0

Property

Details

Parcel number: 1301901137
Zoning description: Residential

Features

On waterfront: Yes
Waterfront features: Pond
Waterbody name: Pond

Lot

Lot size: 3.50 Acres
Features: Recreational,Tillable,Wooded,Rolling Hills,Ground Cover,Shrubs/Hedges
Lot size dimensions: 228 x 656

Parking

Total spaces: 3
Parking features: Detached
Has garage: Yes
Attached garage spaces: 3
Covered spaces: 3

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 WeatherVery High
Cold WaveRelatively High
Strong WindRelatively High
TornadoRelatively High
HailModerate
Inland FloodingModerate

How This Home’s Risks Compare

FEMA Declared Disasters in Gratiot 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

	Monthly	Annual
Mortgage	$707	$8,484
Home Insurance *	$77	$924
Property Taxes	$128	$1,536
Electricity	$188	$2,259
Total	$1,100	$13,200

*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$44,000/yr

35% on housing$37,714/yr

40% on housing$33,000/yr

45% on housing$29,333/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered

Wildfire

Hail

Wind

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: 9.3%

9.3%

0%30.0%

Electricity Growth Rate10-year average: 3.9%

3.9%

0%15.0%

Property Taxes Growth Rate2-year average: 1.9%

1.9%

0%15.0%

Income Spent on Housing

30%

30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 48877$212

Gratiot County$109

vs Homes Sold Last Month

Median $/sqft

ZIP 48877$143