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133 S 2nd St, Harbor Beach, MI, 48441

5beds
2baths
2,560sqft
$199,900
$78price/sqft
$1,617/moest. monthly cost
$64,680/yrincome needed

About This Home

Charming Duplex - Great Investment or Owner-Occupant Opportunity! - Welcome to this well-maintained duplex offering flexibility, income potential, and comfortable living. Each unit features spacious living areas, bright natural light, and functional layouts designed for everyday living. Whether you're looking to expand your investment portfolio or live in one unit while generating rental income from the other, this property offers endless possibilities. Unit one has 2 bedrooms and 1 bathroom, while unit two has 3 bedrooms and 1 bath. Additional features include: two separate entrances and utilities, a large private yard/outdoor space, two-car detached garage, and a covered back deck. One unit has a gas fireplace. Positioned on a corner lot and conveniently located near schools, shopping, and a short walk beautiful Lake Huron, this duplex is a fantastic opportunity for investors or buyers seeking supplemental income. Don't miss your chance to own a versatile property with strong potential in the lakeside town of Harbor Beach!

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

5/10
6/10

Construction

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Yes

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 2,560
  • Total interior livable area: 2,560 sqft

Property

Details

  • Parcel number: 5253800700

Parking

  • Total spaces: 2
  • Parking features: Other

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 WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Winter Weather
Lightning
Strong Wind
Hail
Inland Flooding
Ice Storm
Tornado
Tsunami

FEMA Declared Disasters in Huron 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 $1,010$12,120
Home Insurance *$150$1,800
Property Taxes $178$2,136
Electricity $279$3,350
Total$1,617$19,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,440/yr
40% on housing$48,510/yr
45% on housing$43,120/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: 3.8%
3.8%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$78This listing

vs Other Active Listings

Avg $/sqft

ZIP 48441$138
Huron County$131

vs Homes Sold Last Month

Median $/sqft

ZIP 48441
Huron County$103

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
2026-05-27Listed for sale$199,900
2025-11-19Listing removed$235,000
2025-08-28Price change$235,000
2025-05-19Listed for sale$249,900

For Sale by Agent

AgentMichele Kabban
BrokerageHuron Realty

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