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195 Fremont St, West Branch, MI, 48661

1beds
1baths
668sqft
$89,900
$135price/sqft
$795/moest. monthly cost
$31,800/yrincome needed

About This Home

Charming 1-bedroom, 1-bath home located within city limits and just a short walk to downtown West Branch featuring great restaurants, shopping, golfing and more! This cozy residence offers a large backyard—perfect for relaxing, gardening or other hobbies. Enjoy the convenience of urban living with the added bonus of outdoor space.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

6/10
Surline Elementary SchoolGrades PK-40.4 mi
5/10
Surline Middle SchoolGrades 5-80.4 mi
5/10

Construction

Condition

  • Year built: 1957

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Oven/Range,Electric Water Heater
  • Laundry features: None

Basement

  • Has basement: Yes
  • Basement: Michigan Basement

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • 3/4 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Bookcases,Walk-In Closet(s),Mud Room,Drywall,High Speed Internet
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 668

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 668
  • Total interior livable area: 668 sqft

Kitchen

  • Area: 120.75

Living Room

  • Area: 143

Master Bathroom

  • Features: Shared

Master Bedroom

  • Area: 99.75

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 06505221900100
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Porch
  • Exterior features: Rain Gutters
  • Waterfront features: None

Lot

  • Lot size: 0.42 Acres
  • Features: Level,Subdivided
  • Lot size dimensions: 66 x 275

Parking

  • Parking features: None,Dirt

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
    HailVery High
  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hail
Lightning
Strong Wind
Winter Weather
Cold Wave
Inland Flooding
Tornado

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 $454$5,448
Home Insurance *$85$1,020
Property Taxes $68$816
Electricity $188$2,259
Total$795$9,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$27,257/yr
40% on housing$23,850/yr
45% on housing$21,200/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

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 48661$112
Ogemaw County$101

vs Homes Sold Last Month

Median $/sqft

ZIP 48661
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
2026-04-11Price change$100,000
2025-10-13Price change$110,000
2025-10-08Listed for sale$125,000

For Sale by Agent

AgentTINA MACQUARRIE
BrokerageMORRIS-RICHARDSON RE

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