See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

16928 6th St, Wellston, MI, 49689

2beds
1baths
856sqft
$129,900
$152price/sqft
$996/moest. monthly cost
$39,840/yrincome needed

About This Home

Embrace the ultimate ''Up North'' lifestyle with this adorable cottage located just a half-block from the the public swimming park and beach of Crystal Lake! This charming 2-bedroom, 1-bathroom home offers 896 square feet of efficiently designed living space and sits in a highly desirable Wellston, Michigan location. The property is currently 75% of the way through a major 2023 remodel and update, providing a phenomenal opportunity for the next owner to build quick equity.The heavy lifting has already been completed by the current owners. Major structural and mechanical upgrades include a brand-new roof, new siding, energy-efficient replacement windows, and updated insulation to keep you comfortable year-round. The mechanical systems have been thoroughly modernized with a new water heater, a new water pressure tank, and a fully upgraded electrical system. Outside, you will find excellent curb appeal and a partially completed privacy fence that wraps nearly all the way around the backyard, creating a secure oasis for pets, children, or private evening bonfires.Inside, the home is a clean slate waiting for your final personal touches. The remaining work consists primarily of straightforward, cosmetic finishing items such as installing trim, laying down your choice of flooring, and applying fresh paint. For those looking to maximize space and value, a third bedroom has already been framed out and is ready to be finished, allowing you to instantly expand the home's square footage and layout to suit your needs.Location is everything, and this cottage delivers the best of Northern Michigan right to your doorstep. You are just steps away from the Crystal Lake public swimming area and park, making hot summer days an absolute breeze. Beyond the lake, you are centrally located to the region's premier outdoor destinations. Hit the slopes at Caberfae Peaks Ski Resort, explore the coastal charm and shopping of Manistee and Ludington, or take a scenic drive north to the world-renowned wineries and culinary scene of Traverse City. Endless trails, rivers, and Lake Michigan beaches are all within easy reach.Whether you are searching for an affordable, low-maintenance year-round residence or a lock-and-leave weekend vacation escape, this property fits the bill perfectly. Bring your paint brush, your imagination, and your design ideas to finish the beautiful vision already started here, or take the style in a completely new direction. Small, easy to maintain, and priced to sell quickly--schedule your private tour today and start living your Up North dream!

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

3/10
KND ElementaryGrades K-66.6 mi
5/10
Brethren Middle SchoolGrades 7-86.6 mi
6/10
Brethren High SchoolGrades 9-126.6 mi

Construction

Condition

  • Year built: 1940

Materials

  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Oven,Refrigerator
  • Laundry features: Laundry Room

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Eat-in Kitchen
  • Window features: Insulated Windows
  • Flooring: Vinyl

Heating

  • Heating features: Wall Furnace,Other

Interior Area

  • Total structure area: 856
  • Total interior livable area: 856 sqft

Property

Details

  • Parcel number: 1064172111

Features

  • Stories: 1
  • Fencing: Privacy

Lot

  • Lot size: 4,356 sqft
  • Lot size dimensions: 40 x 114

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
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Lightning
Cold Wave
Strong Wind
Tsunami

FEMA Declared Disasters in Manistee 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 $656$7,872
Home Insurance *$54$648
Property Taxes $98$1,176
Electricity $188$2,259
Total$996$11,952
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$34,148/yr
40% on housing$29,880/yr
45% on housing$26,560/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$152This listing

vs Other Active Listings

Avg $/sqft

ZIP 49689$101
Manistee County$183

vs Homes Sold Last Month

Median $/sqft

ZIP 49689
Manistee County$196

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
2026-07-10Price change$129,900
2026-06-30Listed for sale$139,900

For Sale by Agent

AgentAudrey Taber
BrokerageIrons Real Estate

Similar Homes