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

3115 Isabella St, Midland, MI, 48640

7beds
8baths
10,361sqft
$849,000
$82price/sqft
$6,862/moest. monthly cost
$274,480/yrincome needed

About This Home

Villa Isabella-A beautiful, treasured, storybook spectacle! Imagine living or working in history and serenity on five lush RIVERFRONT acres... This site originated as a prominent judge's personal home in 1937 and was donated to philanthropic use for decades prior to being returned to a family residence. The home features vintage colonial architecture, as well as an expansive annex that offers modern amenities, superior space with seven bedrooms and supreme functionality including two totally separate gourmet kitchens. Such an ideal, highly sought-after locale only a mere moment from Downtown Midland via bike or vehicle. This epic real estate has potential for almost anything conceivable including a town and country family lifestyle, multigenerational living, home occupation or even spiritual, non-profit or support facility. Villa Isabella is a stately landmark offering over 10,000 square feet, stunning greenscape and endless opportunity. Private tours of this well-preserved Midland monument are currently being scheduled.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

7/10
Central Park ElementaryGrades K-52.6 mi
9/10
Jefferson Middle SchoolGrades 6-83.6 mi
9/10
H.H. Dow High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1937

Materials

  • Foundation: Basement,Crawl
  • Construction materials: Brick,Wood,Asphalt

Type & Style

  • Home type: MultiFamily
  • Architectural style: Colonial
  • Property subType: Multi Family,Historic,Investment

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range/Oven,Refrigerator,Gas Water Heater
  • Laundry features: First Floor

Basement

  • Has basement: Yes
  • Basement: Poured,Exterior Entry,Partial

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 8
  • Full bathrooms: 5

Features

  • 9 ft + Ceilings,Cathedral/Vaulted Ceiling,Walk-In Closet(s),Breakfast Nook/Room,Dining "L",Eat-in Kitchen,Formal Dining Room,Pantry
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 10,361
  • Total interior livable area: 10,361 sqft

Property

Details

  • Parcel number: 141980160
  • Zoning description: Residential,Other
  • Other equipment: Sump Pump

Features

  • Levels: Two
  • Stories: 2
  • Spa features: Interior Spa/Hot Tub
  • On waterfront: Yes
  • Waterfront features: Lake/River Access,River Front,Waterfront
  • Waterbody name: Chippewa River
  • Frontage length: 386

Lot

  • Lot size: 5.09 Acres
  • Features: Deep Lot - 150+ Ft.,Large Lot - 65+ Ft.,Sloped,Wooded,Rural
  • Lot size dimensions: 386 x 575

Parking

  • Total spaces: 5
  • Parking features: Additional Garage(s),Attached,Basement,Detached,Electric in Garage,Garage Door Opener,Off Street,Garage Faces Side,Workshop in Garage,3 or More Spaces,Covered,Garage,Lighted
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5

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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Inland Flooding

FEMA Declared Disasters in Midland 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 $4,293$51,516
Home Insurance *$456$5,472
Property Taxes $983$11,796
Electricity $1,130$13,561
Total$6,862$82,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$235,268/yr
40% on housing$205,860/yr
45% on housing$182,986/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$82This listing

vs Other Active Listings

Avg $/sqft

ZIP 48640$148
Midland County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 48640$140
Midland County$140

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
2025-11-23Price change$849,000
2025-09-10Price change$899,000
2025-08-15Price change$949,000
2025-07-09Price change$975,000
2025-04-08Price change$995,000
2025-04-02Price change$1,090,000
2025-03-12Price change$1,150,000
2025-02-12Price change$1,250,000
2024-12-06Listed for sale$1,316,000
2020-07-31Sold$340,000

For Sale by Agent

AgentCarolyn Mayne
BrokerageCentury 21 Signature Realty Midland

Similar Homes