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3051 Elmwood Dr, Fort Gratiot, MI, 48059

5beds
2baths
2,241sqft
$329,000
$147price/sqft
$2,696/moest. monthly cost
$107,840/yrincome needed

About This Home

Beautiful Lakefront Community – 2025 Remodel Welcome to this light-filled 3-bedroom, 1-bath home offering 1,204 sq. ft. of comfortable living space with recent upgrades. The property includes a remarkable 1,037 sq. ft. finished garage featuring vinyl flooring, 2 additional bedrooms, and a full bath—perfect for guests, hobbies, or extra living quarters. Enjoy access to Lake Huron with its pristine sandy beach, tennis courts, and community park. Whether relaxing by the cozy fireplace, entertaining in the open living spaces, or taking a peaceful stroll down to the shoreline, this home is designed for both comfort and recreation.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
7/10
6/10

Construction

Condition

  • Year built: 1943

Materials

  • Foundation: Crawl Space
  • Construction materials: Stone,Vinyl Siding

Notable Dates

  • Major remodel year: 2025

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Free Standing Gas Oven,Microwave,Other,Range Hood

Bedroom

  • Level: Second
  • Area: 216
  • Dimensions: 18 X 12

Bedroom

  • Level: Second
  • Area: 165
  • Dimensions: 11 X 15

Bedroom

  • Level: Second
  • Area: 150
  • Dimensions: 15 X 10

Bedroom

  • Level: Second
  • Area: 150
  • Dimensions: 15 X 10

Bedrooms & Bathrooms

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

Dining Room

  • Level: Entry
  • Area: 99
  • Dimensions: 11 X 9

Features

  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,241

Flex Room

  • Level: Entry
  • Area: 432
  • Dimensions: 24 X 18

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Window Units

Interior Area

  • Total interior livable area: 2,241 sqft

Kitchen

  • Level: Entry
  • Area: 108
  • Dimensions: 9 X 12

Living Room

  • Level: Entry
  • Area: 324
  • Dimensions: 18 X 18

Other

  • Level: Entry
  • Area: 48
  • Dimensions: 12 X 4

Primary Bathroom

  • Level: Second
  • Area: 90
  • Dimensions: 9 X 10

Primary Bedroom

  • Level: Second
  • Area: 99
  • Dimensions: 11 X 9

Property

Details

  • Parcel number: 74204680032001
  • Special condition: Short Sale No,Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: GroundLevel
  • Pool features: None
  • Patio & porch: Patio
  • Exterior features: Lighting,Tennis Courts

Lot

  • Lot size: 5,662 sqft
  • Lot size dimensions: 90 x 87

Parking

  • Total spaces: 1
  • Parking features: One Car Garage,Detached,Driveway,Electricityin Garage,Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 1

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

  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Ice Storm
Strong Wind
Tornado
Tsunami

FEMA Declared Disasters in St. Clair 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 $1,663$19,956
Home Insurance *$161$1,932
Property Taxes $628$7,536
Electricity $244$2,933
Total$2,696$32,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,434/yr
40% on housing$80,880/yr
45% on housing$71,893/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: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$147This listing

vs Other Active Listings

Avg $/sqft

ZIP 48059$153
St. Clair County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 48059$163
St. Clair County$169

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
2026-08-03Price change$329,000
2026-07-17Price change$349,000
2026-07-01Listed for sale$375,000

For Sale by Agent

AgentKristian Ivanaj
BrokerageA.V.A. Real Estate

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