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204 E Main St, Rose City, MI, 48654

3beds
1baths
1,000sqft
$97,900
$98price/sqft
$840/moest. monthly cost
$33,600/yrincome needed

About This Home

Newly updated kitchen with all new stainless steel appliances. Remodeled bathroom with walk in shower. Updated living room with newer carpet. New mini split that cools amazingly and heats quickly. Roof was replaced 10 years ago. 5 inch well done at the same time. Large 2 sided covered porch with a lot of storage space. Furnace was installed 10 years ago and is an energy efficient natural gas unit to help keep costs down. One large bedroom upstairs with 2 smaller rooms downstairs. The bedrooms are dated and will be renovated before the sale. 14x22 garage on separate back lot that gives someone the opportunity to build a bigger garage if needed. This is a great starter home or a northern getaway. The trail system start in the alley were the garage is and run all the way up north. Low maintenance home. Generational home that has never went to market.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

6/10
Rose City SchoolGrades PK-60.4 mi
5/10
Surline Middle SchoolGrades 5-811.4 mi
5/10

Construction

Condition

  • Year built: 1938

Materials

  • Roof: Shake / Shingle

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Carpet,Laminate

Heating & Cooling

  • Heating features: Forced air,Heat pump,Electric,Gas
  • Cooling features: Central,Other

Interior Area

  • Total interior livable area: 1,000 sqft

Property

Details

  • Parcel number: 05110700800

Features

  • Exterior features: Stone,Wood,Metal
  • Has view: Yes
  • View description: Territorial,City

Lot

  • Lot size: 4,500 sqft

Parking

  • Total spaces: 4
  • Parking features: Garage - Detached,Off-street

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

  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Hail
Lightning
Strong Wind
Winter Weather
Cold Wave

FEMA Declared Disasters in Ogemaw 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 $495$5,940
Home Insurance *$83$996
Property Taxes $74$888
Electricity $188$2,259
Total$840$10,080
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$28,800/yr
40% on housing$25,200/yr
45% on housing$22,400/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$98This listing

vs Other Active Listings

Avg $/sqft

ZIP 48654$111
Ogemaw County$101

vs Homes Sold Last Month

Median $/sqft

ZIP 48654
Ogemaw County$104

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
2026-08-08Price change$139,000
2026-08-03Listed for sale$97,900
2026-01-07Listing removed--
2025-11-21Listing removed$1,200
2025-11-18Price change$129,000
2025-11-17Listed for rent$1,200
2025-11-12Listed for sale$109,000

For Sale by Owner

AgentProperty Owner

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