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209 N Pine St, Lake City, MI, 49651

5beds
2baths
1,713sqft
$189,900
$111price/sqft
$1,368/moest. monthly cost
$54,720/yrincome needed

About This Home

A home warranty is included at Sellers expense on this chance to own a piece of Lake City history! Step into this updated historical, seasonal home one block from Lake City schools, and just a couple of blocks away from the downtown area, Lake Missaukee, and the famous Tasty Treat. With space for everyone, this home has 2 bedrooms and 2 bathrooms on the main floor, with one serving as a master bedroom, main floor laundry, and 3 more bedrooms upstairs.This home was originally built and still serves as a summer home, meaning no central heat source. Current owners have only lived here in the late spring to early fall mostly so they did not need heating but used electric heaters during chilly times. With a spacious backyard, and patio it offers nothing but relaxation, and countless summer cookouts! There is a fenced in back yard for the 4-legged friends, and a convenient entrance to the back bedroom master that includes your own private living room area. Owners are also willing to deal on all contents!! Don't miss your chance to own a part of Lake City history!

Getting Around

51
WalkingSomewhat Walkable
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

7/10
Lake City Middle SchoolGrades 6-80.0 mi
7/10
Lake City High SchoolGrades 9-120.0 mi

Construction

Condition

  • Year built: 1940

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Oven/Range,Dishwasher,Microwave,Washer,Dryer,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partial,Michigan Basement,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2

Features

  • Entrance Foyer,Solarium/Sun Room,Drywall,Ceiling Fan(s),Cable TV,High Speed Internet,WiFi
  • Window features: Bay Window(s),Blinds,Drapes,Curtain Rods
  • Flooring: Carpet,Laminate,Wood
  • Fireplace features: Stove,Electric
  • Fireplace: Yes
  • Finished area below ground: 500
  • Finished area above ground: 1,213

Heating & Cooling

  • Heating features: Fireplace(s)
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,713
  • Total interior livable area: 1,713 sqft

Kitchen

  • Level: Main
  • Area: 121

Living Room

  • Level: Main
  • Area: 120

Master Bathroom

  • Features: Shared

Master Bedroom

  • Level: Upper
  • Area: 126

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 05120301100
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio
  • Exterior features: Sidewalk
  • Fencing: Fenced
  • Waterfront features: None

Lot

  • Lot size: 4,791 sqft
  • Features: Level,Metes and Bounds
  • Lot size dimensions: 50 x 100

Parking

  • Parking features: None,Gravel,Private

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
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Strong Wind
Hail
Lightning

FEMA Declared Disasters in Missaukee 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 $960$11,520
Home Insurance *$89$1,068
Property Taxes $131$1,572
Electricity $188$2,259
Total$1,368$16,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,902/yr
40% on housing$41,040/yr
45% on housing$36,480/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: 5.1%
5.1%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$111This listing

vs Other Active Listings

Avg $/sqft

ZIP 49651$191
Missaukee County$183

vs Homes Sold Last Month

Median $/sqft

ZIP 49651$185
Missaukee County$197

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
2025-06-25Listed for sale$189,900
2025-06-22Listing removed$199,900
2024-06-21Listed for sale$199,900
2016-09-12Sold$38,000

For Sale by Agent

AgentMichelle Geiger
BrokerageCity2Shore Real Estate Northern Michigan

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